New Jersey Car Accident Insurance Laws | Car Accident Attorney

Those who have been seriously hurt in an accident often find New Jersey’s accident standards to be complicated and bewildering. Davis, Saperstein & Salomon, P.C.’s attorneys and staff have dedicated their legal careers to supporting persons like you who have been injured due to the negligence of others.

NJ Accidents and Car Insurance

The traffic laws and regulations of New Jersey can be found in Title 39 of the state’s legislation. There are prohibitions regarding speeding, driving under the influence, irresponsible driving, and other road rules. These rules assist law enforcement officials in determining which driver was at fault in the inevitable New Jersey traffic accident.

If another driver’s negligence caused your injuries, our New Jersey car accident attorneys will use our understanding of these laws and our legal skills to help you recover damages. Our mission is to assist you in recovering compensation for your injuries, medical expenses, lost earnings, and pain and suffering.

If you’ve been in an automobile accident in New Jersey, you’ll soon have to deal with the state’s intricate insurance requirements. There is a clear correlation between the type of insurance you have and the type of claim you can file, yet many consumers are unaware of this while selecting their plans.

When you acquire auto insurance, you can choose to limit the types of injuries for which you can file a lawsuit (also known as your tort threshold), even if you were not at fault for the accident. If you choose the limitation on lawsuit threshold, your insurance premium may be lower, but you may not be able to submit a claim for pain and suffering if you are not seriously injured in a car accident.

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If you want to limit the threshold for filing a lawsuit, you can sue for any harm as long as you have at least one permanent injury. Typically, a herniated disc is enough to surpass the threshold.

Many exceptions exist to these rules. Even if you chose to reduce your tort threshold, you may be entitled to suit for pain and suffering in circumstances involving permanent injuries and death. However, not all attorneys understand how to handle these matters effectively, and you need an experienced personal injury attorney to ensure that your compensation claims are pursued. You can sue for both permanent and nonpermanent injuries in incidents involving commercial vehicles such as a truck or bus.

When it comes to automobile accident claims, New Jersey’s accident rules are extremely complex. New Jersey, unlike many other states, has no-fault insurance, meaning that if you are injured in an automobile accident, you must submit a claim with your own insurance carrier — even if the accident was the fault of another driver. Personal auto insurance coverage is limited to the level of personal injury protection (PIP) coverage selected. If your medical and other accident-related expenditures exceed your PIP coverage, you may need to submit a claim with the other driver’s motor insurer.

With extremely few exceptions, the New Jersey statute of limitations for accident claims is two years from the date of the injury. If you are concerned about the timing of your accident claim, you need a lawyer that understands how to move quickly and effectively on your behalf.

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Experienced Legal Help for your New Jersey Car Accident

Davis, Saperstein & Salomon, P.C.’s car accident attorneys have been assisting wounded and accident victims since 1981. We have handled tens of thousands of accident injury claims, often obtaining excellent results for our clients.

We invite you to visit our offices in New Jersey or New York to discuss the complexities of your case and its results. If we take your case, you can be certain that we will utilize all of our firm’s resources to build a compelling case on your behalf for monetary damages and other compensation.

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