You’ve just been in a car accident in Roseland, NJ, and your heart is pounding. Your mind races with questions and concerns. What should you do next? How can you make sure you don’t unfairly take the blame for the crash? How do you get your medical bills and other losses covered? and how to seek immediate action after a no-fault car accident in Roseland?
At Brach Eichler Injury Lawyers, we understand the whirlwind of emotions and confusion following a car accident. This blog is your first step toward clarity and peace of mind. We’ll explain what to do after you are injured in an accident caused by someone else in Roseland, NJ. By following these steps, you have a stronger chance of reaching a fair outcome in your case.
Essential Steps Immediately After a New Jersey Car Accident
Your first priority after any car accident is to seek medical treatment in Roseland and protect your health. However, your actions at the scene and in the coming days can substantially impact your compensation in an accident claim. Here’s what to do to minimize your chances of having to pay for damages in your case:
- Check for Injuries and Ensure Safety: If anyone sustained injuries, call 911 immediately. Move to a safe location if you’re blocking traffic but stay close to the scene.
- Call the Police: A police report provides an official account of the incident. The information in the report is valuable evidence in an insurance claim.
- Exchange Information: Swap contact information and insurance details with the other driver. Get their name, address, phone number, driver’s license number, license plate number, and insurance info. This step is foundational for any claims process.
- Document the Scene: Use your phone to take pictures of the accident scene, all vehicles involved, any visible injuries, and road conditions. These images can help support your claim.
- Gather Witness Information: If anyone else saw the crash, get their name and contact information. Witness statements can strengthen your position in a personal injury claim.
- Seek Medical Attention: Even if you feel fine, see a doctor as soon as possible. A medical record linking your injuries to the accident is critical for your claim.
- Notify Your Insurance Company: Inform your insurance company about the accident, but watch what you say. Stick to the facts without admitting fault or speculating about the incident’s details.
- Consult a Personal Injury Attorney: Before accepting any settlements, talk to a personal injury attorney. A lawyer can explain your rights and help make sure you don’t settle for less than your claim’s full value.
Who Covers Your Losses After a New Jersey Car Accident?
New Jersey has one of the most complex auto insurance systems in the country, which can cause confusion after a collision. But let’s start with the basics.
For starters, all New Jersey auto insurance policies come with no-fault Personal Injury Protection (PIP) coverage. PIP coverage pays for your medical bills and other losses from a crash, up to $15,000 per person, per accident. A Basic Policy also includes up to $5,000 in property damage coverage, though who pays for the damage depends on the circumstances of the crash. (A Basic Policy may include up to $250,000 in PIP coverage for specific severe or permanent injuries.)
A Standard Policy in New Jersey includes the PIP coverage described above, along with a minimum of $25,000 per person ($50,000 per accident) in bodily injury liability coverage.
In all cases, you turn to your own PIP coverage to pay for your medical expenses, lost wages, and some other expenses. If you purchase a standard policy, you must choose either an unlimited right to sue or a limited right to sue. If you purchase a basic policy, you automatically have the limited right to sue option.
When You Can Sue After a Car Accident in New Jersey
You can pursue compensation from the at-fault party for your medical expenses and lost wages once you’ve exhausted your PIP coverage. This right is not affected by your “right to sue” option choice.
However, your right to seek compensation for non-economic losses from a crash (intangible losses like pain and suffering) depends on your chosen insurance policy. If you have a Basic Policy or a Standard Policy with a limited right to sue, you can only sue for non-economic damages if you sustained permanent injuries. Permanent injuries include:
- Significant disfigurement or scarring
- Losing a body part
- Displaced bone fractures
- Losing a pregnancy
- Any injury preventing full functionality of an organ or body part and will not return to normal functionality with further medical treatment
- Death
What If the Other Driver’s Insurer Denies Responsibility?
If the other driver and their insurer won’t take responsibility for the crash, consult an attorney immediately. An experienced attorney can evaluate your insurance coverage, gather evidence to support your claim and represent you in legal action against the other driver.
How Our Roseland, NJ, Car Accident Lawyers Can Help You
The aftermath of a car accident can be overwhelming, but you don’t have to face it alone. The dedicated team at Brach Eichler Injury Lawyers can provide the support and legal guidance you need during this challenging time. Here’s how we can help:
- Case Evaluation: We start by thoroughly assessing your case, helping you understand your legal options and the potential outcomes.
- Evidence Gathering: Our team meticulously collects and analyzes evidence from the accident scene to build a strong foundation for your claim.
- Dealing with Insurance Companies: We handle all communication with insurance companies, advocating for your best interests to see that you receive fair compensation.
- Legal Representation: Should your case go to court, you’ll have skilled attorneys by your side, ready to fight for your rights and secure the best possible outcome.
- Support and Guidance: Throughout the process, we’ll provide the advice and support you need to make informed decisions about your case.
Contact Our Roseland, NJ, Car Accident Attorneys Today
The best step you can take to safeguard your rights after a collision is to call an experienced car accident attorney in New Jersey. Brach Eichler Injury Lawyers has represented hundreds of New Jersey residents in auto accident cases and has a proven record of success for our clients. Call (973) 364-8300 now or complete our contact form for a free consultation.
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Written by: Brach Eichler Injury Lawyers Last Updated : February 1, 2024
We are the trial attorneys with the experience and knowledge to get you the results you deserve. At Brach Eichler Injury Lawyers, we take time to get to know you, as well as your case. We are committed to excellence. It is important for our team to understand your fears, concerns and expectations. We are always available to answer any questions, and are willing to come to you if you are unable to come to us.
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