NJ car insurance and uninsured drivers

The share of uninsured motorists to the whole number of registered vehicles in New Jersey is among the lowest in all of the United States. However, when you take those approximate 10% and multiply them by the number of drivers in the New Jersey metropolitan area you get a staggering number of more than 400,000 uninsured vehicles on the road. On the one hand this doesn't seem to be much compared to the total number of cars in the area. On the other, there's always a possibility that the car next to you in traffic doesn't have any or sufficient coverage, and if you get hit by it your losses won't be covered. Of course, unless you aren't carrying uninsured motorist coverage, which can be purchased with any NJ car insurance policy.

Uninsured motorist coverage is designed to protect you in situations when the other party is at fault but doesn't have sufficient or any liability coverage, or has fled the scene without providing any information after the crash. In circumstances like these you normally can't get proper coverage, unless you're carrying collision and personal injury protection coverage, which pay for car damage and personal injuries respectively. In this perspective, uninsured motorist coverage can substitute these two coverage options as it acts like the other party's liability policy and covers the same aspects of NJ car insurance.

For some people it may feel like an unnecessary option that only pushes up the premiums. And as with all other aspects related to insurance, it's actually better that you don't end up in a situation when the actual coverage is needed. Because, it's not only about the financial losses associated with an accident, after all they will be covered to a great extent by the insurance policy. The psychological implications of a car accident can be more profound than you would imagine, ranging from mild discomfort to deep psychological trauma. That's why it's always better not to get into accidents in the first place. However, accidents do happen, and they are a common thing on the road, so you would really want the financial aspect to be the last thing on your mind if you really get hit by another car. And if the other car simply doesn't have the coverage to pay for your losses, it's the uninsured motorist coverage that will help you out. It's a question of simple risk management. And while the risk of getting hit by an uninsured car in New Jersey is more than two times lower than in Mississippi, you can't deny its existence.

Those of you who are worried about the cost of including uninsured motorist coverage to their policy should think well about comparison shopping. It never hurts to compare quotes from different NJ car insurance providers because you can sometimes find really good policies at a decent price. So it's not a strict rule that uninsured motorist coverage will increase the cost of your policy in a dramatic way. Sure, it will raise your premiums to an extent but if you shop around carefully the inclusion of this coverage type can go unnoticed, while you will still receive the benefits it provides.

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