Asked by Andy Blackwell Uncategorized
How does UMPD coverage work in NJ?
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If you have full coverage do you need UMPD coverage or will full coverage suffice if you are hit by an uninsured driver?
What can you do if you have only liability insurance and your parked car is hit by an unknown driver?
Would your car be covered if it is parked in your yard and is hit by an uninsured person under your full coverage?
Can you have umpd coverage if you only carry liability insurance?
Sure. You will ahve to purchase UMBI and UMPD as they only come together but thst shouldn't be an issue. You don't have to have Comprehensive and Collision or any other coverages in order to get Uninsured Motorists coverage. I firmly recommend UM to all my clients whether or not they have any other coverages other than liability. You cannot purchase limits of uninsured motorists coverage that are higher than your liability coverages.
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Sorry, but you are probably out of luck. NJ has mandated short term disability coverage, which provides a maternity leave benefit. However, the coverage is mandated for people who WORK in the state of NJ. People who LIVE in NJ, but WORK in PA are not covered. Pennsylvania does not have mandated state coverage. You employer may provide short term disability to its employees, or give you the option to pay for it yourself through a payroll deduction. Check with your HR department.
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What does uninsured motorist coverage mean?
Uninsured motorist Uninsured Motorist coverage (which is required coverage in many states) covers injuries that the driver and occupants of a car sustain when the at-fault vehicle was not insured for liability coverage. UM does not cover the physical damage to the vehicle. UMPD (uninsured motorist property damage), where available, covers that physical damage. UMPD is essentially similar to collision coverage, which is first party insurance that pays regardless of fault, subject to a deductible. Uninsured motorist coverage pays essentially the same type of benefits (such as for pain and suffering) as the liability insurance of the other party would pay if the at-fault party had liability insurance. Additionally, the uninsured motorist insurer will generally evaluate a claimant's injuries in much the same way as a liability insurer would, and the claimant is subject to a reduction in damages for contributory or comparative negligence according to the law of the jurisdiction.
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Should you have uninsured motorist property damage coverage?
Absolutely. If someone hits you without insurance this coverage will pay to fix your vehicle with a small deductible. The company will then pursue the at fault party until all the losses are recovered and then send you back your deductible. Usually they have to collect payments for years to collect all the damages. If you don't have UMPD coverage you will have to do that yourself. UM is well worth the premium. As a matter of full disclosure, I own and operate a small Independent Insurance Agency and have for the part 22 years. Before that I worked as an agent for a direct writer insurance company.