New Jersey Car Accident Lawyer
New Jersey Car Accident Lawyer
Unlike most states that follow a basic fault or no-fault car insurance system, New Jersey is a choice no-fault state. As such, drivers have the option of purchasing basic or standard car insurance. This system can make receiving adequate compensation for an accident complicated. If you suffered injuries in an automobile accident, a New Jersey car accident lawyer can help you get the money you deserve to cover your expenses.
New Jersey Car Accident Attorney With Proven Track Record of Success
When New Jersey residents sign up for car insurance, they must choose between two insurance policy options:
- Basic: Policyholders may only sue for noneconomic damages if they suffer “serious injuries.”
- Standard: Policyholders have the option to choose between limited or unlimited right to sue for noneconomic damages.
Contact a New Jersey Car Accident Lawyer
After an accident in New Jersey, you must first turn to your own insurance policies and use your Personal Injury Protection benefits to pay for medical care, replace lost wages, and reimburse costs if you had to hire someone to help around the house.
If your injuries surpass your policy limits, you may be eligible to file a lawsuit against the at-fault party.
With either insurance option, you can file a claim for economic damages, such as medical bills (current and future) and lost wages (current and future); however, as stated above, noneconomic damages like pain and suffering are only recoverable under the standard unlimited option, except in certain cases.
If your injuries are serious, you can step outside the no-fault system and file a claim for noneconomic damages regardless of your policy type. Serious injuries may include:
- Permanent injury
You may need a medical expert to testify as to the severity of your injuries.
As with any car accident case, to receive compensation for damages from another party, you must be able to prove that the at-fault party’s negligence caused your injuries.
Evidence you can use to prove negligence includes the following.
- Eyewitness testimony
- Police reports
- Medical records
- Expert testimony
- Video footage
- Photographs of the scene and your injuries
Once you have filed your claim against the at-fault party, his insurer will open an investigation, which means you will likely receive a call from an insurance adjuster asking for a recorded statement. It is imperative that you do not give a recorded statement until you have spoken with a New Jersey car accident lawyer as the insurer may attempt to use anything you say against you.
If the at-fault party does not offer you a fair settlement, you can take your case to a New Jersey Superior Court.
Ensure that you keep up with your medical care during this process or the insurer may claim your injuries are false or exaggerated.
Speak with an Experienced New Jersey Auto Accident Attorney
As you can see, receiving compensation from a car accident can be difficult. It can be especially difficult while recovering from serious injuries. Do not try to handle it alone.
Be sure to contact a New Jersey auto accident attorney for help filing a claim, gathering evidence, managing communication with the insurer, filing a lawsuit, and fighting for your case in court.