In New Jersey, the law provides no-fault auto insurance, also known as Personal Injury Protection, PIP, for all vehicle owners in the state, so having a personal injury attorney in New Jersey is very useful when you have an accident and wish to request compensation.
You must select the basic policy or the default policy. If you choose the Basic Policy, you will have $15,000 in medical coverage (up to $250,000 for catastrophic brain or spinal cord injuries) if you or a resident family member is injured. If you deem it necessary, you should contact the Conexión Legal team as soon as possible by calling 1800 201 1220 or by writing to us via WhatsApp so you can receive the best free legal advice, and in this way we can help you obtain the highest possible compensation. The basic policy does not provide coverage in case another person is injured, but you have the option to choose coverage of $10,000 for injuries to one or more persons in the same accident if someone has a claim against you in your case. The basic contract does not offer uninsured motorist protection to protect you and your family if the negligent driver who caused the accident was uninsured or was covered by a basic contract without personal injury liability insurance.
The standard policy provides Personal Injury Protection (PIP) that covers medical expenses up to $250,000 per person per accident. You may choose to purchase less coverage. The standard policy provides liability coverage if someone files a claim against you with the minimum personal injury limits of $15,000 per person / $30,000 per accident and property damage of $5,000. Additionally, the standard policy provides uninsured motorist coverage with a minimum limit of $15,000 per person / $30,000 per accident if you or a resident family member is injured by an uninsured person or does not have personal liability insurance.
Whether or not you can file a claim or sue the negligent driver who caused the accident will depend on the type of coverage you choose and the nature of your injuries. If you are covered by the standard policy, you must choose the "Limited Claim Option" or the "Unlimited Claim Option". If you have purchased a basic policy, you will automatically be granted the "claim limitation" option. The limitation option does not allow you to file a claim or take legal action against a negligent driver for all of your personal injuries. The claims limitation option limits your rights to file a claim or take legal action, unless you suffer one of the following types of injuries:
- Death
- Dismemberment
- Severe disfigurement or scarring
- Displaced fracture
- Loss of fetus
- Permanent damage.
As a general rule, persons operating motor vehicles must exercise due diligence under the circumstances. Failure to exercise due diligence is the basis of most claims for damages from motor vehicle accidents. In these cases, proof of negligence is often contested and requires careful investigation. The driver may also be held liable for an accident caused by reckless or deliberate driving.
A reckless driver is someone who drives without caution and deliberately ignores the likelihood that their driving could cause an accident. Liability claims are often the subject of negotiation between the negligent party's attorney and the insurance company. Lawsuits are typically filed when negotiations fail. If you file a lawsuit against a negligent driver, your attorney must prove that the other party was negligent and that the other party's negligence caused injuries that resulted in recoverable damages. Be careful when negotiating with the other party's insurance company, as they may try to rush a settlement before you can properly assess the extent of your damages.
Also read Personal injuries in traffic accidents most frequently.
The choice of your attorney is one of the aspects that can contribute to the final decision in your case. For this reason, if you or a loved one need it, you should contact the Conexión Legal team as soon as possible so we can provide you with the best free legal advice, and likewise, legal representation by an accident attorney in case you suffer any type of personal injury to obtain the best possible compensation. Follow the steps in the following form to schedule your free consultation appointment.
