New Jersey Car Accident Attorney

Car Accidents

For over 24 years we have been assisting our clients understand their rights and seek maximum compensation for their injuries. We have collected tens of millions of dollars for our injured clients and their families. We do not mail solicitation letters to accident victims, the majority of our clients are referred from satisfied clients or their family members. We focus on major personal injury and wrongful death cases. Contact me to see how I can help you or your family member today. The firm's members are always accessable and will return you calls or email promptly.

If you are involved in an accident, it is important that you understand your rights. You should immediately contact the police and your insurance carrier to advise them of the accident and then obtain the police report and send it to your insurance company. Take pictures of your car and the accident scene, write down the names and addresses of any witnesses, and then contact a New Jersey personal injury lawyer as soon as possible. Its a fact that Insurance companies pay more money to those who are properly represented. Contact us today.

Frequently Asked New Jersey Car Accident and Insurance Questions

I was hurt in an accident; who will pay my medical bills? New Jersey is a no-fault insurance state. This means that in most cases, your medical bills will be paid by your automobile insurance company based on your insurance claim even if your vehicle was not involved in the accident. If you have no automobile insurance, then it will be paid by the insurance company of the vehicle you were in. Payment is made under the "PIP Coverage" of the policy. "PIP" is short for Personal Injury Protection. Pre-certification of the treatment by the insurance carrier is often required before treatment can begin.

Am I responsible for any of the medical bills? New Jersey insurers are required to offer PIP deductibles. Most policies contain a $250 deductible for the first medical bill that the insurance company pays. Then the insurance company pays 80% of the medical bills up to $5,000. Once the total medical bills exceed $5,000, then the insurance company will pay the entire amount up to the policy limit of $250,000. The most out-of-pocket loss you will suffer is $1,200. If you have health insurance, you can submit the deductible bills to the health insurance provider.

What if the accident was caused by the other driver? If the accident was another driver's fault, you may be entitled to compensation. At our firm, we are dedicated to providing the personal attention you deserve and we will carefully listen to the specific details of your accident. Our car accident attorneys have been helping accident victims for 20 years and we may be able to help you. A car accident can leave you or a loved one with serious injuries. Some injuries, such as a spinal cord or traumatic brain injury, require a lifetime of continuing medical care and you need a killed lawyer by your side to protect your rights and help you focus on healing.

What if I was a passenger or my children, spouse, friend, or co-worker were hurt? Passengers are often injured in car accidents. In many cases, passengers have the same right to recover from the at-fault driver as the driver does. If the passenger owns a car or resides with a relative that owns a car, then that family member's automobile insurance policy will pay the medical bills -- even if that car wasn't involved in the accident.

What if there is a dispute about who caused the accident? The law requires you to prove that another person caused the accident in which you were injured. We understand car accidents and can thoroughly investigate your specific accident utilize our experts to assess fault. We will fight to help you win your case.

How will the insurance company evaluate my case? Most likely, the insurance company for the person who caused the accident will try to offer you less than full compensation. Insurance agents aggressively attempt to settle claims for the least amount possible, which is their job. You need to hire an attorney to ensure that your rights are being fully defended. Hiring our hard-hitting law firm can level the playing field for you. We have the expertise needed to protect your rights and to pursue full compensation.

What if the other driver does not have insurance? Uninsured motorist coverage may protect you. The rules involving uninsured motorist coverage are complex. An insurance company is unlikely to thoroughly explain those rules or offer you all of the compensation you may be legally due. At our firm, our knowledgeable team of attorneys understands these legal complexities and will stand up for you tenaciously pursuing the maximum compensation possible. We are well-versed in New Jersey uninsured motorist coverage and can help make sure you are fairly compensated.

What if the other driver does not have enough insurance? Under-insured motorist coverage may be available. Whether you are entitled to under-insured motorist benefits depends on a careful evaluation of your own insurance policy and the policy or policies of the other drivers involved. Our seasoned lawyers have a thorough knowledge of how uninsured and under-insured insurance law operates in the State of New Jersey.

What type of Insurance should I buy to protect my family and my assets? News Jersey law requires automobile drivers to have automobile liability insurance this also applies to motorcycles. The law allows drivers to choose either the basic or standard policy. The standard policy provides liability coverage to protect your property and your income if someone makes a claim against you while the basic policy does not.

I have full coverage; isn't that enough? Full coverage means you have coverage for property damage and liability but has nothing to do with your liability insurance limits. The liability coverage limit is the most amount of money your insurance company will pay to someone who is injured by you, a resident family member or by the driver of your car. In addition, the standard policy provides uninsured motorist protection in case you or a resident family member is injured by an uninsured car, which is very common, where a basic policy does not.

What is a standard policy's minimum limit? The minimum liability limits and uninsured motorist limits under a standard policy are $15,000 per person, $30,000 per accident for bodily injury and $5,000 for property damage. New Jersey drivers can purchase up to $500,000 of insurance with a single limit policy and unlimited amounts thereafter in an umbrella policy. This coverage will also provide you with an attorney, paid for by your insurance company in the event you're sued. The standard policy also provides up to $250,000 in medical coverage called personal injury protection (PIP), plus additional coverage for income continuation, essential services, death benefits and funeral expenses.

Why shouldn't I buy a basic policy? It's cheaper. The basic policy does not provide coverage to protect your assets; it provides only $15,000 in medical coverage. It also provides up to $250,000 but only for brain or severe spinal cord injury, and that will only cover hospitalization costs. There is no uninsured coverage, and the insurance company will not provide an attorney to you if you are sued. Never buy a basic policy!

What threshold should I chose? New Jersey car accident lawyer Lloyd Bennett, Esq. recommends that you always chose a "no limitation on lawsuit" threshold. If you chose the verbal threshold you will eliminate the legal rights of yourself, your spouse and any children who reside with you to make a claim for money damages or to file a lawsuit against a careless driver unless you suffer one of the following injuries:

• Death
• Dismemberment
• Significant disfigurement or scarring
• Displaced fracture
• Loss of fetus
• Permanent injury (where a body part has not and will not heal to function normally)

The "no limitation on lawsuit" threshold permits you to always make a claim or to file a lawsuit against a careless diver. Our firm understands what you are going through after an accident and can help you determine your legal options.

Contact a New Jersey personal injury lawyer as soon as possible to protect your rights and pursue the maximum compensation possible after being involved in a car accident.