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New Jersey Car Accident Claims
The Reinartz Law Firm is a personal injury law firm that focuses on car, motorcycle and truck accidents in N.J.
Automobiles, trucks, motorcycles and buses are involved in accidents every day in New Jersey. While statistics show that safe driving campaigns plus safer cars being manufactured are working to reduce the number of fatal accidents, thousands still occur nationwide. Of the more than 32,000 fatal motor vehicle accidents that occur in the United States each year, more than 500 of those occurred in New Jersey. The numbers increase exponentially for non-fatal car accidents, with more than 240,000 non-fatal car accidents in New Jersey each year.
When a motor vehicle accident caused by someone else results in catastrophic injuries, medical expenses, lost wages or inability to work, you may be entitled to monetary compensation for the damages.
A: Personal Injury Protection (PIP) is a coverage that is included in all standard insurance policies in NJ. It offers first-party benefits to injured policyholders in auto accidents, regardless of who was at-fault. If you were injured in a car accident, whether you were the driver, passenger or even a pedestrian, you may be able to make a claim for medical benefits under your own PIP coverage. PIP may also cover other expenses, such as lost wages and essential services depending on the coverage selected.
A: New Jersey is a “no-fault” state. This means that all standard auto insurance policies written in NJ contain coverage for policyholders’ medical treatment expenses, regardless of who was at fault for causing the accident. This coverage is called PIP (Personal Injury Protection). PIP may also cover lost wages and other essential services.
Underinsured Motorist coverage (UIM) is first-party auto insurance that allows injured motorists to file a claim against their own policy if an at-fault driver does not have sufficient insurance to cover the damages caused in an accident. Uninsured Motorist coverage (UM), on the other hand, is first-party insurance coverage that allows policyholders to file a claim against their own policy when an at-fault driver is uninsured or completely unidentified, such as in the case of a hit-and-run driver.
A: There is nothing prohibiting you from doing so, but it may not be a good idea. Insurance companies do not always have your best interests in mind, especially when it’s not your insurance company, and you could inadvertently hurt your claim. You should speak with a lawyer who has experience negotiating with insurance companies and has an understanding of how auto claims work.
A: Yes. You may be entitled to Personal Injury Protection (PIP) coverage for medical treatment and/or maintain a claim against the at-fault driver who caused the accident. This is based on the nature of the accident, who is at-fault and other factors. It’s best to speak with an accident lawyer who is familiar with New Jersey injury laws and can assist with a claim.
A: Time is extremely important following an accident. You should call the police and request a copy of the police report. You should also capture as much information at the scene as possible, including photos, names of witnesses and other information pertaining to the accident. Contacting an accident lawyer is of paramount importance as evidence can get lost or discarded.
A: When purchasing an auto insurance policy in NJ, you can select the “limited” or “unlimited” right to sue option for accidents involving bodily injury. The unlimited right to sue allows you to sue for bodily injury without limitation if you are injured in an accident with another automobile. The limited right to sue, on the other hand, limits your ability to sue under certain circumstances in accidents involving automobiles. The unlimited right to sue option typically costs more, however, as mentioned, it does not create a legal barrier to lawsuits for bodily injury.
Financial Burden Caused by Motor Vehicle Accidents
Motor vehicle accidents can be severe and life-changing. Injuries from accidents can range from herniated discs and broken bones to traumatic brain injury, permanent disfigurement and even death. Often, when the injuries sustained in an accident are catastrophic, the injured person faces not only painful physical recovery, but also the added stress of medical bills, lost wages and depleted finances.
While auto or health insurance may cover some of the financial burden, certain insurance policies are capped at predetermined levels, and other times payouts can be limited. Additionally, insurance companies may deny claims for coverage, or refuse to pay for certain desired medical treatments. When this happens, it is the injured person who suffers as they may be unable to work and earn the full wage that they were accustomed to before the accident.
Often, the initial costs of emergency treatment and hospitalization are nothing compared to later surgeries, pain management and rehabilitation. Ideally, all of these costs are covered by insurance. But what if they are not? How will you get the medical care and treatment that you need to recover from your injuries? How will you pay your bills? How will you provide for your family when you cannot work? These are all pressing concerns for accident victims.
Our experienced lawyers and support staff will not only investigate the cause of your accident to determine who should be held liable for your damages, but we will also communicate with all involved insurance companies on your behalf to ensure you receive the appropriate benefits after an accident. Dealing with insurance companies during this time can be frustrating and overwhelming. With an experienced motor vehicle accident lawyer on your side, you can rest assured that your best interests will be protected.
Legal Representation Can Increase Compensation
Often, victims of motor vehicle accidents will simply file claims with their insurance companies, expecting that the insurance company will do the right thing and pay all of their incurred expenses. However, if you are not represented by a motor vehicle accident attorney working on your behalf, you could lose out on the full amount of compensation you deserve.
Insurance companies are not your personal advocates. Rather, they are businesses that sell contracts of insurance to consumers. Insurance companies are in business to make a profit and will scrutinize your accident claim, no matter how severe the injuries. If your claim is untimely, incomplete or otherwise deemed deficient, an insurance company won’t think twice about denying it.
We know how to prepare and present claims to insurance companies in order to maximize our clients’ benefits. We know the law and will gather the documentation needed to support your claim. We will fight to ensure that you receive proper benefits after an accident. Additionally, we will pursue compensation from all wrongdoers who caused your injuries and will hold them accountable under the law.
About The Reinartz Law Firm
The Reinartz Law Firm is an experienced New Jersey motor vehicle accident law firm. We deal directly with the insurance companies and pursue compensation from all negligent parties who caused injuries. We handle injury evaluation, investigation and discovery, expert witness retention, litigation in court and more. Our lawyers are nationally recognized litigators whose goal is to achieve the most successful outcome and provide our clients personalized attention every step of the way.
Client care is our top priority. We recognize that this is your legal matter, and your injuries are at the heart of the case. We know that anyone who is dealing with the aftermath of a severe injury from a motor vehicle accident needs to have peace of mind about their legal case in order to focus on their own health and recovery.
We take the time to hear every detail of the accident and resulting injuries. We will investigate the accident in order to determine all causes, and will bring legal claims against all responsible parties. This may include negligent motorists, passengers, product manufacturers, municipalities, insurance companies and others.
We also deal directly with all insurance companies involved, and assist clients with submitting necessary medical paperwork as needed. It is all part of our commitment to our clients. From start to finish, we will provide legal counsel with your best interests in mind, and we will always keep you updated on the steps we are taking on your behalf. If at any time in the process you have questions, we are always available to make sure things are clear and understandable.
If you are struggling from injuries caused by a serious motor vehicle accident, call The Reinartz Law Firm today. Our New Jersey injury lawyers will fight for your rights and help get you back on the road to recovery. Call us today for a free and confidential consultation.