When a car accident occurs, people can suffer a wide range of injuries. Some of those injuries may be very serious. If you or someone you love has suffered as a result of an accident with a motor vehicle, contact the New Jersey Car Accident Attorneys at our firm.
An accident involving motor vehicles can occur in various different circumstances and for many different reasons. No matter how an accident occurred, it is important to contact an experienced attorney immediately after your accident.
In the state of New Jersey, there are several types of automobile insurance policies available; each of which has unique features and clauses. The three main types of insurance in the state vary mainly in the amount of coverage they provide to the insured in the event of an accident. They also vary on the rights the insured has to pursue a lawsuit if they are injured in an accident.
The least expensive, and therefore least extensive policy type is known as a basic policy or “mini-policy.” Such policies offer the least amount of coverage possible to still satisfy the state’s compulsory insurance law. Basic policies often include what is known as a “verbal threshold”, which acts to limit an individual’s ability to enter into a lawsuit should they sustain injuries in an accident. If someone with a basic policy has agreed to the verbal threshold and wishes to recover damages from injuries sustained in an automobile accident, they must prove that they have suffered very serious injuries such as loss of a limb or other permanent harm.
The second type of automobile insurance policy in New Jersey is known as a limitation on lawsuit policy. This type of policy, offers more coverage than the basic policies however it also limits an individual’s ability to recover damages in the event of a motor vehicle accident. A person who wishes to recover damages under such a policy must prove serious injuries were sustained such as permanent spine injuries or significant scarring.
The third type of policy in New Jersey is known as a no limitation on lawsuit policy or a “zero” threshold policy. Such a policy is more expensive than the basic and limitation policies, but offers significantly more coverage for the insured and makes it much easier for an individual to recover damages from an automobile accident. An individual with such a policy will not be subject to the verbal threshold statute and is therefore able to sue for any injury they suffer.
A person who has suffered as a result of an automobile accident should understand the distinctions between the different types of policies and what his or her rights are under the law. Our law firm can help you to determine the best course of action in your case based on the type of policy you hold.
Motor vehicle accident claims can vary greatly in cost and complexity. It is important to have an attorney who will take the time to understand your case, your individual circumstances and the circumstances of the accident.
If you believe you have been the victim of an accident involving a motor vehicle anywhere in New Jersey, including the cities of, Freehold and Newark you should contact our New Jersey Car Accident Attorneys.
The lawyers at our firm will work tirelessly on your behalf. We will ensure that your case receives the individual attention that it deserves.
Our New Jersey Car Accident Attorneys work in conjunction with one another to obtain the best possible result in each and every auto accident case. Our attorneys have a track record of success and specialized legal degrees, above and beyond the ordinary legal degrees lawyers obtain.
If you or someone you know is in need of an aggressive, passionate team of lawyers, call our New Jersey Car Accident Attorneys today, or simply click on the “Contact Us” tab. An attorney will get back to you as soon as possible.