Douglas  E. Schwartz, Esq. - Law Offices of Foster & Mazzie, LLC

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Welcome to the Blog!


Basic & Special Insurance Policies
Safe Driving


May 2015
September 2013
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Welcome to the Blog!

Greetings...welcome to my new blog page, where I hope to keep you advised of recent developments in the law and how they can affect you.
$1-A- DAY  INSURANCE POLICIES (SPECIAL INSURANCE POLICIES):   Yes, citizens of this state (NJ) can get insurance policies for $1.00 a day if they are Medicaid eligible.   Those policies will only provide emergency medical coverage and liability coverage for property damage.    Should someone make a claim against that person for a bodily injury claim, there will be no coverage available, making the insured personally liable.   Persons injured as a result of the negligence of a person covered under a $1-A-Day policy must present claims for "Underinsured Motorists Benefits" to their own automobile insurance carrier.
BASIC INSURANCE POLICIES:  Insurance companies are now permitted to offer a virtual buffet of insurance options related to medical, liability and uninsured/underinsured motorists coverage these days.  Most of these options limit coverage in exchange for reduced premiums.    Basic policies offer limited medical payment (Personal Injury Protection-PIP) coverage with significantly higher deductibles.   They also offer limited amounts of liability coverage and, more importantly, offer an option of no liability coverage whatsoever.   A person carrying this type of coverage, assuming they have selected the no liability option, would have no insurance to cover a bodily injury claim.
Please be careful in selecting coverages for your automobile insurance. Saving a few dollars may cost thousands in the long run.  Please call our office and we will gladly assist you with any questions you might have.

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