New Jersey No Insurance Lawyers

Automobile liability insurance is required in New Jersey

New Jersey requires its drivers to maintain liability insurance on their motor vehicles. Coverage must consist of $15,000 for the injury or death of a person; $30,000 for the injury or death of more than one person; and $5,000 for property damage.

Penalties for driving without insurance

New Jersey has severe penalties for people who drive without liability insurance.

A first offense carries a fine of $300-$1,000, loss of driving privileges for a year, and possible imposition of community service.  A second offense can result in a higher fine, longer loss of driving privileges, mandatory imprisonment, and mandatory community service.

If you receive a ticket for operating a vehicle without insurance, your best bet is to talk to a New Jersey lawyer about your possible defenses.  One defense available in no insurance cases is if your insurance policy was terminated without your knowledge. Another defense that may exist is if your insurance company failed to notify you of the policy's termination. If an insurance company fails to properly notify a client of a policy's termination, then the policy may still be in effect. In this case, even though you are cited for driving an uninsured vehicle, you may actually have been operating the vehicle with insurance.

Underinsured and uninsured motorist coverage is important

Underinsured or uninsured motorist coverage insurance is arguably the most important coverage a driver can have.  It protects you, versus protecting the other driver.

When drivers or passengers suffer injuries due to the negligence of an uninsured motorist, victims are forced to seek compensation from their own insurance companies to pay for the damages.  These claims are highly complex, and require the assistance of a New Jersey attorney skilled in underinsured or uninsured motorist claims.

We can help

At the law offices of Mark A. Bernstein, we offer representation for persons charged with having no insurance, and also for victims seeking fair compensation in serious uninsured/underinsured motorist accident claims.  Your insurance company is not on your side in these cases.  We have the experience and knowledge necessary to ask questions that elicit the information we need to help you.  Statements you make to an adjuster may come back to haunt you.  Call us before you interact with your insurance company.  We can provide effective representation regarding your uninsured/underinsured motorist claim against your own insurance company. 

Contact an attorney at the law offices of Mark A. Bernstein as soon as possible if you are charged with driving with no insurance, or if you have an underinsured or uninsured motorist claim.  The firm serves clients in Camden, Burlington, Atlantic, Mercer, Gloucester, and Salem Counties.

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