No-Fault Insurance in New Jersey
In New Jersey, auto accidents operate under a “no-fault” insurance system, which means that your own car insurance policy typically covers your medical expenses and lost income, regardless of who caused the accident. However, this does not preclude the possibility of pursuing a claim against the party at fault to recover damages for an injured party’s pain and suffering.Maximizing Auto Insurance Benefits with a New Jersey Attorney
A New Jersey personal injury attorney can help you navigate the state’s auto insurance laws. A lawyer can assist you in understanding your policy’s coverage, including personal injury protection (PIP) benefits, and ensure you receive the maximum benefits available. A lawyer will evaluate whether your case meets the “serious injury” threshold and allow you to file a claim against the negligent driver to recover monetary damages.
The role of a personal injury attorney is to immediately conduct a comprehensive investigation into the accident to gather necessary evidence, which may include police reports, medical records, and eyewitness accounts. This evidence is crucial in constructing a compelling case, whether for negotiating with insurance companies or presenting it in court before a judge or jury.
Dealing with insurance adjusters can be particularly challenging. A personal injury attorney is adept at communicating with these adjusters, ensuring that your rights are protected and preventing them from minimizing your injuries or undervaluing your claim. Personal injury lawyers have the expertise to negotiate, often achieving settlements that accurately reflect the full extent of your damages.
