As a new school year gets under way, many parents will be rushing their children to school and then rushing to work – a perfect scenario for a traffic accident. While parents should always be conscientious about their driving, they should also take the time to review their auto insurance coverage to ensure that it offers what their family needs in the event of an accident. And if they are involved an accident that isn’t their fault, parents should call the NJ accident lawyers at Console & Hollawell.

Types of Auto Insurance for Families

The most common types of auto insurance for families are: liability, personal injury protection (PIP), collision, uninsured motorist and under-insured motorist. All vehicles registered in New Jersey are required to have liability insurance for property damage, PIP insurance and under-insured motorist insurance.

Liability

This insurance pays for damage caused by an accident when you are at fault, and it also pays for legal and court costs. There are two types of liability insurance: bodily injury liability, which pays for special damages such as medical expenses and pain and suffering, and property damage liability, which pays for property damage.

PIP

This insurance pays for reasonable and necessary expenses that result from an auto accident. In addition to covering medical expenses, PIP insurance can also cover funeral expenses, rehabilitation expenses and childcare expenses if a parent is disabled.

Collision

This insurance pays for damage that results from colliding with another vehicle, from colliding with an object or from vehicle rollover. Unlike most types of auto insurance, collision insurance requires a deductible.

Uninsured Motorist

This insurance pays for damages caused by a driver who does not have liability insurance. The damages covered by uninsured motorist insurance vary by state, but medical expenses are always covered.

Underinsured Motorist

This insurance pays for damages caused by a driver who does not have sufficient liability insurance. Again, the damages that are covered vary by state, but medical expenses are covered everywhere.

To decide on the right policies, drivers should review their finances, their driving record and the incidence of accidents on the roadways they travel the most. If another driver injures you, call the NJ accident lawyers at Console & Hollawell.

Have You Been Injured in a Car Accident?

Even when the driver who causes an accident is properly insured, the insurer can refuse to pay an injury claim, or it may offer a low settlement figure. If this is happening to you, call the New Jersey personal injury attorneys at Console & Hollawell today.

Console & Hollawell’s New Jersey personal injury attorneys have over 17 years of experience in helping accident victims recover damages. If you have been injured in an accident, don’t argue with the defendant’s insurer. Call Console & Hollawell, and let us negotiate on your behalf.

Call Toll Free today: (866) 778-5500

Photo Credit: Bill Longshaw / FreeDigitalPhotos.net

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