Navigating Serious No-Fault Insurance Accidents In New Jersey
Last updated on November 26, 2024
New Jersey uses no-fault insurance laws, which differ significantly from those used in other states. Under these laws, you will need to file a claim for your accident related medical expenses with your own insurance carrier under your “Personal Injury Protection” (PIP) coverage. It does not matter if the other driver was at fault in a car accident. They can file a claim with their insurance company, while you can file one with yours. The benefit of PIP is that there’s no need to prove fault or negligence in order to have your accident related medical treatment paid for, as long as you have PIP coverage. But it certainly can make things a bit more complex and confusing.
At the Tom’s River no-fault insurance accident firm, Fedele & Honschke Attorneys at Law, LLC, we have years of experience navigating these complex cases. We offer free initial consultations and we work on contingency fees, so you don’t pay anything until our attorney wins your case. If you’re eager to explore your options in the wake of a crash, contact a lawyer today.
What Is Your Right To Sue?
If the other driver was at fault, however, you may then be able to start a lawsuit targeting them and their insurance company to seek further compensation for your injuries (Pain and Suffering) and/or for the damage to your vehicle. When you purchased YOUR automobile insurance you may have selected a limited right to sue (the Limitation Upon Lawsuit Threshold) which limits the types of injuries you are allowed to obtain compensation for or an unlimited right to sue the other driver for any injury suffered. The determination of what injuries qualify for compensation is hotly contested and very complicated. Our attorneys are extremely experienced in winning on this issue and can help you explore your legal rights to gain maximum compensation.
Potential Areas For Compensation
While considering how to file a claim or sue the other driver, it’s important to identify potential types of compensation you may need, including:
- Medical bills
- Lost wages
- Reduced earning capacity
- Pain and suffering
- Future medical care needs
While working through this process, our experienced attorneys can help you explore the policy limits and amount of coverage you have. Both drivers and passengers may have a right to compensation after a crash.
Call Today For A Free Consultation
The best way to get this process started is to get in touch with us through the online contact form or by dialing 732-504-3841 to set up your free consultation today.