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Scura, Wigfield, Heyer, Stevens & Cammarota Blog

Feeling Tricked by Your Insurance Company After an Accident in New Jersey?

[John J. Scura III, Esq. explains what to do if you are feeling tricked by your insurance company after an accident in New Jersey]

I wrote a blog on the worst tricks insurance companies use in trying to deny people fair money for their claims after an accident.  As a follow up, I wanted to explore what to do if insurance companies use one of these tricks on you and how to best protect yourself going forward:

The Most Important Auto Insurance Coverage You Should Have [Video]

[John J. Scura III., Esq. explains the type of auto insurance coverage you should have in New Jersey]

The least explained but most important insurance in New Jersey is Uninsured and Underinsured Motorist Insurance (UM/UIM) Coverage. Insurance agents do not explain this insurance fully, leaving you potentially in trouble with not enough insurance in cases involving serious injuries.

State law in New Jersey requires that insurance companies offer Uninsured and Underinsured motorist coverage as an option up to at least $250,000 for each person and $500,000.00 covering each accident for bodily injury.  Insurance companies also have to offer a $500,000 single limit option for uninsured and underinsured motorist coverage.  You can also have these limits increased further by purchasing an umbrella policy.

Top 10 Tips To Buying Car Insurance In New Jersey

1) Get Plenty of Uninsured/Underinsured Motorist Coverage

Underinsured/Uninsured Motorist Insurance Coverage is the most important insurance on your car that you can carry. In NJ, besides basic auto policies, all auto policies are required by law to have underinsured/uninsured motorist coverage in the minimum amount of $15,000 per person/$30,000 per accident. This minimal coverage is not enough. If you want to protect yourself and your family, you should increase your limits of uninsured/underinsured motorist coverage.

Should I File a Personal Injury Case or Claim?

A huge concern of  many injured people is feeling wrong about bringing a claim for injuries they sustain as the result of the negligence of another. Some of our clients come into the office and they feel uneasy about pursuing money for personal injury they sustain in an accident. Recovery of money for the negligence of another is a well settled right under our laws. Many times, in not pursuing your just compensation you are only helping insurance companies and hurting your family and yourself.

Injury Attorneys in NJ: Why Carry Underinsured/Uninsured Motorist Insurance Coverage

insurance_insured_wordcloudUnderinsured/Uninsured Motorist Insurance Coverage is the most important insurance on your car that you can carry. In NJ, besides basic auto policies, all auto policies are required by law to have underinsured/uninsured motorist coverage in the minimum amount of $15,000 per person/$30,000 per accident. This minimal coverage is not enough. If you want to protect yourself and your family you should increase your limits of uninsured/underinsured motorist coverage.

Helping Victims Establish Liability Following a Car Crash in New Jersey

It is an unfortunate reality to face, but essentially every time an individual travels on the roadways, they are at risk of being involved in an accident. New Jersey residents are also aware that these dangers do not only impact other drivers and passengers on the roads but also pedestrians and cyclists traveling on the roadways as well. Our law firm understands that the risks associated with a car accident are often attributed to a driver's negligence. Because of this, injured victims and family members of deceased victims should note the rights they might have following a car crash.

Life Insurance Proceeds are Exempt Under NJ Bankruptcy Exemption Scheme

Many people filing bankruptcy in NJ are unaware that in addition to the federal bankruptcy exemptions, there are state specific exemptions. Although rare, the New Jersey state exemptions sometimes allow a debtor to exempt and retain more of their individual property than would be possible under the federal scheme.

Get Representation for Your Insurance Claim with Civil Litigation Attorneys

insurance claim formsStanding Up to Insurance Companies in Coverage Disputes

You can pay your premiums on time for years, but when you actually bring a claim under your policy, the insurance company suddenly acts like it doesn't know you. You get the runaround or your claim is simply rejected. Or perhaps worse, they sweet-talk you into settling for much less than your claim is worth.

Ask a Personal Injury Attorney: Avoid Social Media During a Case

As all personal injury attorneys will tell you, it's important to be careful about posting information on social media when involved in personal injury lawsuits or any litigation.

Need Help? Contact Us Today!

 


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