How Do Car Accident Cases Work in New Jersey?
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New Jersey is a no-fault car insurance state.
This means that when you get into a car accident, there’s no determination of fault. Your insurance policy pays for your accident, and the other driver’s insurance policy pays for theirs. This means that even dealing with your own insurance company can be a little bit fraught, as the insurance adjuster will still be attempting to pay as little as possible.
Thus, you should still be careful what you say at the accident and take lots of pictures. However, it is not always appropriate to involve an attorney in a no-fault case.
Note that how much you can get paid and whether you can file a claim against another driver often depends on what kind of insurance you have. Before attempting to launch a personal injury case you should check whether your insurance policy gives you the right to sue.
Some offer a limited right to sue, which means you can sue the other driver if you suffer from dismemberment, significant disfigurement, displaced fractures, the loss of a fetus or a permanent injury. If your policy includes the unlimited right to sue then you can seek full compensation for damages regardless of whether your injury is serious or permanent. Basic policies often fail to include a right to sue.
In this case, you would only need to do this if you suffer from damages that far exceed the amount of coverage that you have. For example if you have up to $100,000 in coverage for your injuries and your injuries cost $150,000 then you might want to sue the other driver’s insurance company for the other $50,000 rather than going $50,000 into debt, yourself, to try to pay those medical bills.
It is vital to make sure you have enough insurance coverage, and the right kind of insurance coverage.
The New Jersey Department of Banking and Insurance has put together this guide to help you select the right insurance coverages. It’s a great tool for helping you assess your risks so that you make the right purchase decisions.
Not sure whether you are eligible to sue? You can always reach out to our personal injury attorneys. We’ll evaluate your insurance coverage, the facts of your case, and the extent of your injuries to determine whether launching a car accident lawsuit is the right call for your unique situation.
See Also:
What Happens if the At-Fault Driver Was Uninsured in a New Jersey Car Accident?
3 Factors That Impact the Value of a New Jersey Personal Injury Claim?
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New Jersey is a no-fault car insurance state.
This means that when you get into a car accident, there’s no determination of fault. Your insurance policy pays for your accident, and the other driver’s insurance policy pays for theirs. This means that even dealing with your own insurance company can be a little bit fraught, as the insurance adjuster will still be attempting to pay as little as possible.
Thus, you should still be careful what you say at the accident and take lots of pictures. However, it is not always appropriate to involve an attorney in a no-fault case.
Note that how much you can get paid and whether you can file a claim against another driver often depends on what kind of insurance you have. Before attempting to launch a personal injury case you should check whether your insurance policy gives you the right to sue.
Some offer a limited right to sue, which means you can sue the other driver if you suffer from dismemberment, significant disfigurement, displaced fractures, the loss of a fetus or a permanent injury. If your policy includes the unlimited right to sue then you can seek full compensation for damages regardless of whether your injury is serious or permanent. Basic policies often fail to include a right to sue.
In this case, you would only need to do this if you suffer from damages that far exceed the amount of coverage that you have. For example if you have up to $100,000 in coverage for your injuries and your injuries cost $150,000 then you might want to sue the other driver’s insurance company for the other $50,000 rather than going $50,000 into debt, yourself, to try to pay those medical bills.
It is vital to make sure you have enough insurance coverage, and the right kind of insurance coverage.
The New Jersey Department of Banking and Insurance has put together this guide to help you select the right insurance coverages. It’s a great tool for helping you assess your risks so that you make the right purchase decisions.
Not sure whether you are eligible to sue? You can always reach out to our personal injury attorneys. We’ll evaluate your insurance coverage, the facts of your case, and the extent of your injuries to determine whether launching a car accident lawsuit is the right call for your unique situation.
See Also:
What Happens if the At-Fault Driver Was Uninsured in a New Jersey Car Accident?
3 Factors That Impact the Value of a New Jersey Personal Injury Claim?