What Is UM/UIM Coverage and Do Motorcyclists Need It?
Over 35 years of experience. Over $100 million recovered for clients.
What Is UM/UIM Coverage and Do Motorcyclists Need It?
Over 35 years of experience. Over $100 million recovered for clients.

What is UM/UIM coverage and do motorcyclists need it?

The term UM refers to uninsured motorist coverage, and UIM refers to underinsured motorist coverage. While a motorcyclist is not required by New Jersey law to carry UM/UIM, it is a very important aspect of keeping you safe in the event of an accident. UM/UIM can make a difference between you being able to pay your medical bills or not.

Consider this scenario. You are involved in a motorcycle accident and it is not your fault. The driver that hit you has either no insurance at all or carries the minimum amount of insurance, which is $15,000. If sued, the driver’s insurance company only pays out the $15,000. This does not cover much if you are seriously injured.

If you have UM/UIM it means you can sue your own insurance carrier for the additional amount of funds needed – up to the maximum of your policy. While opting out of UM/UIM coverage saves you money upfront, not having the coverage should you be seriously injured in an accident can leave you struggling financially or in debt.

It is ultimately your choice. Be aware that you are not allowed to register a motorcycle in New Jersey unless you have at least the minimum amount of motorcycle insurance, which is:
• $15,000 for bodily injury per person
• $30,000 for total bodily injury per accident
• $5,000 for property damage

You do have choices when purchasing insurance and you can choose coverage that takes care of you if you are at-fault, or coverage that helps if you are seriously injured and not at-fault for the accident. From long years of experience in handling motorcycle accidents, we strongly suggest you buy as much insurance as you can. It is better to be completely protected than to discover later that the minimum insurance barely covers medical costs.

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Product Liability & Auto Accident
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Drunk Driving Accident
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Car Accident Road Defect
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Workplace Construction Accident
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Fall Down Accident
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Car Accident State Vehicle
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Car Accident State Vehicle
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Fatal Apartment Fire
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Auto Accident
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Auto Accident
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Civil Sexual Assault Lawsuit
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Slip & Fall Accident
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Fall Down Accident
$29.5Million
Product Liability & Auto Accident
$3.5Million
Drunk Driving Accident
$2.94Million
Car Accident Road Defect
$2.5Million
Workplace Construction Accident
$2.25Million
Fall Down Accident
$1.8Million
Car Accident State Vehicle
$1.5Million
Fatal Apartment Fire
$1.36Million
Auto Accident
$1.2Million
Auto Accident
$1.0Million
Civil Sexual Assault Lawsuit
$1.0Million
Slip & Fall Accident
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Fall Down Accident
$29.5Million
Product Liability & Auto Accident
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Car Accident/Brain Injury
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Drunk Driving Accident
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Slip and Fall: Workers’ Compensation & Premises Liability Accident
$2.94Million
Car Accident Road Defect
$2.5Million
Workplace Construction Accident
$2.25Million
Fall Down Accident
$1.8Million
Car Accident State Vehicle
$1.5Million
Fatal Fire Apartment
$1.36Million
Auto Accident
$1.2Million
Auto Accident
$1.1Million
Slip & Fall Accident

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Being injured or having a family member injured can have serious and lifelong consequences. We can try to ease the burden. Contact us today to learn more about how our team of experienced New Jersey accident attorneys can support you through these challenging times.