How does insurance come into play?
In evaluating a personal injury claim, one must first determine the amount of insurance coverage the at-fault driver has because the at-fault driver’s insurance coverage is primary. If the at-fault driver has little or no insurance coverage, we need to determine if you have elected to purchase “uninsured/ underinsured motorist” coverage commonly referred to as UM coverage. If so, your UM coverage would step into the shoes of the at-fault driver.
Additionally, every motorist is required to have Personal Injury coverage commonly referred to as PIP which pays 80% of your medical bills and 60% of lost wages, irrespective of fault, up to a minimum amount of $10,000.