Winegar, Wilhelm, Glynn & Roemersma, P.C.
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  • 908-454-3200Phillipsburg, NJ
  • 610-807-0440Bethlehem, PA
  • 908-475-2500Belvidere, NJ

Insurance Archives

Why does UM/UIM matter?

auto insurance.jpgFew people like to think about insurance. Fewer still like to spend money they do not need to spend on insurance. Getting the lowest possible rate for auto insurance might make sense for your situation. This leads many people to forego UM/UIM coverage. Currently in Pennsylvania, UM/UIM insurance is optional. It is mandatory in New Jersey. In both states, it is against the law to drive without a minimum amount of auto insurance.

Driving Without Insurance Can Result in Losing Your License and Jail Time

sus.jpgIn New Jersey, every owner of a registered motor vehicle or principally garaged motor vehicle is required to carry liability insurance. Liability insurance covers you in the event that you are liable in an accident resulting in bodily injury, death, or property damage to another person. If you forget to pay your premiums, or otherwise let your insurance coverage lapse, you will be violating the law. If the police determine you are driving without insurance, you will be given a summons to appear in municipal court. The penalties increase depending on the number of times you have violated the insurance requirement.

Full Tort Option for Car Insurance

car insurance.jpgWhen you are purchasing motor vehicle insurance, the insurance carrier should offer you the choice between the full tort option (known as zero threshold option in New Jersey) and the limited tort option (known as the verbal threshold in New Jersey). There is a much bigger difference between the two options than just a larger annual premium when you select the full tort option.

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Phillipsburg Office
305 Roseberry Street
Phillipsburg, NJ 08865

Phone: 908-454-3200
Fax: 908-454-3322
Map & Directions

Bethlehem Office
84 East Broad Street
Bethlehem, PA 18018

Phone: 610-807-0440
Fax: 908-454-3322
Map & Directions

Belvidere Office
110 Mansfield Street
Belvidere, NJ 07823

Phone: 908-475-2500
Fax: 908-454-3322
Map & Directions