It is a nightmare scenario. You’re driving your family to the Jersey Shore for summer vacation when another driver slams into your car — critically injuring your child. In the days that follow, you learn that your child will need years of physical therapy, and the driver who caused the accident has no insurance. Then the worst part: your auto insurance may not cover the loss your child has, and will continue, to suffer.
Stories like this are all too familiar to leading New Jersey Personal Injury Attorney Mike Mumola. He says that it is imperative that drivers know how much UM (uninsured motorist) and UIM (underinsured motorist) coverage they have on their policies.
“The wrong time to find out,” says Mumola, “is after the accident. Uninsured and underinsured motorist coverage is extremely affordable, and is worth every penny. It is not easy to put your life back together after someone almost takes it from you, but this helps relieve the financial burden.”
Mumola says that $500,000 worth of UM/UIM coverage can be added to many auto insurance policies for just a few dollars a month. The key, says Mumola, is asking.
“If you don’t know how much uninsured or underinsured motorist coverage you have, you probably don’t have enough.”
Mike Mumola, and his collagues at Kalavruzos, Mumola and Hartman, are available to review auto insurance policies for New Jersey residents at no charge. The firm’s telephone number is 609-586-9000. It is online at www.kmhlawyers.com.
Kalavruzos, Mumola and Hartman, LLC, is a leading personal injury firm based near Princeton, NJ. The firm’s attorneys are recognized as experts in motor vehicle accident, wrongful death, medical malpractice, birth defects, criminal defense, DWI, slip and fall, and personal injury cases.