Auto accidents can happen to anyone, including the most precautious driver. According to the 2020 Traffic Safety Annual Report published by the National Highway Traffic Safety Agency, in 2018, a total of 36,560 people lost their lives in traffic accidents throughout the nation. In the same year, 2,710,000 people suffered non-fatal injuries in traffic accidents. These figures represent the dangers of the road and the consequences of a car accident.
One of the most common causes of accidents on the road is dangerous driving. Regrettably, far too many drivers make a conscious decision to drive recklessly, ultimately exposing others they share the road with at risk of serious harm. If you or a loved one was injured in a car accident in New Jersey, you may be eligible to file a Personal Injury Protection claim, also known as PIP. In some cases, you may also be eligible to file a claim against the reckless driver who caused you harm.
Obtaining Compensation After a Serious Car Accident Is Possible With Proficient Legal Counsel
With many years of dedicated legal experience, the attorneys at Lependorf & Silverstein, P.C. have represented car accident victims who were injured as a consequence of another driver’s negligence. The firm has successfully helped their clients secure the financial compensation they needed to pay for medical care costs, the loss of income and benefits, disability, and other financial losses.
If you were involved in an auto accident in New Jersey, consider discussing your case with the dedicated and compassionate legal team at Lependorf & Silverstein, P.C. The law firm can provide you with a free, no-obligation consultation. To get started on your case as soon as possible, call the firm at (609) 240-0040 or complete the private online form today.
The Type of Auto Insurance Policy You Carry Matters
Your legal rights after a car accident in New Jersey will depend on the type of car insurance policy you carry. For the most part, a car insurance policy in the State of New Jersey will have one or more of the following types of coverage for car accidents:
- Liability – This insurance policy will cover the bodily harm and property damage others suffer as a consequence of an accident caused by you.
- Personal Injury Protection (PIP) – This coverage typically covers any medical expenses that may arise as a result of the auto accident, such as: Ambulance costs, Hospital bills, Prescription costs, Therapy, and/or Rehabilitation treatment.
It is also possible to purchase PIP coverage that can apply to other types of accident-related costs, such as: The loss of wages and benefits, The cost for at-home medical care, and Death benefits, including funeral and burial expenses.
- Uninsured Motorist Coverage (UM) – Uninsured Motorist coverage will cover the losses you sustain when the driver who caused your accident lacks the legally required insurance.
- Underinsured Motorist Coverage (UIM) – If you carry Underinsured Motorist coverage, the policy will cover the difference between what the other driver’s liability policy covers and the total damages you suffered (up to the limits set in your UIM policy.
- Collision and Comprehensive – Regardless of the party at fault, Collision coverage will cover the damage to your car in the event of an accident. Comprehensive coverage will only cover non-collision damages, such as vandalism or theft.
Compensation May Be Available Through a Personal Injury Claim
Regardless of the type of insurance policy you have chosen, you may still be able to file a claim against the at-fault driver for the economic damages you have suffered, such as the loss of income and medical bills. However, the ability to file a claim for intangible damages, like pain and suffering, will be determined by the type of insurance policy you have and/or whether you opted for the “right to sue”.
When purchasing a basic insurance policy, that is, a policy with minimum PIP coverage, you will only have a limited right to file a claim for intangible losses. The means that you will not be able to file a claim unless you have suffered at least one of the following: Disfigurement, Significant scarring, Amputation, Displaced fracture, Additional accident-related costs, Punitive damages, and/or Wrongful death.
When selecting a standard insurance policy, there is an option to select a limited right to file a claim or an unlimited right to file a claim. When the option for no limitations is selected, the at-fault driver can be sued for any economic damages, without regard to the type of injury you have sustained.
Obtain a Complimentary Consultation From an Exceptionally Experienced Attorney Today
Although you may be able to handle a car accident claim after a simple car accident, working alongside an experienced personal injury attorney will be in your best interest. If you have suffered serious injuries after the accident, obtaining proficient legal support becomes imperative to a successful claim and the future of your recovery.
Auto insurance companies are oftentimes devious, and they will work aggressively to undervalue a claim to protect their company’s profits. With the support of a skilled attorney, you will be able to secure the compensation you truly deserve.
Lependorf & Silverstein, P.C. will work diligently and tactfully to protect your rights. After a car accident, consider obtaining a no-obligation consultation with the dedicated team at Lependorf & Silverstein, P.C. by calling (609) 240-0040 or filling out the private online form today.