All auto insurance policies in New Jersey require the consumer to choose from one of two options with respect to their right to bring a lawsuit. The two options are: (1) the lawsuit or verbal or tort threshold or (2) the no tort threshold or no lawsuit threshold. Under different policies, the tort options (your right to sue) are referred to as these various names but mean the same thing. Under option (1) you are limiting your ability to sue for certain injuries. Under option (2) you can sue for any injury.
Suffering from a personal injury accident can be devastating not only to the individual injured, but also to the individual’s family members and friends. Our firm often receives inquiries from individuals concerning potential lawsuits against a public entity. Many people are surprised to learn that an individual can seek recovery from a government entity for injuries directly related to their tortuous actions. Unlike personal injury claims against private individuals and entities, the New Jersey Tort’s Claims Act sets forth guidelines in which a plaintiff may recover for the tortuous actions of public entities and public employees.
[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:
With New Jersey in the middle of its winter season, injuries due to ice and snow conditions can occur because of the irresponsible actions of property owners and landlords. Commercial and multi-complex residential buildings commonly fail to exercise reasonable care by promptly removing snow and ice following a snowstorm. A victim of a slip and fall accident may secure valuable compensation for their medical expenses, lost wages, pain and suffering, and ongoing disability.
Insurance companies spend billions of dollars each year in marketing to convince the public that they have your best interest at heart. Let’s take a look at some of the slogans: State Farm - Like a good neighbor State Farm is there; Allstate – You’re in good hands with Allstate; Geico -15 minutes could save you 15% or more on car insurance; Progressive – Think easier, think Progressive; Chubb- Peace of mind; Prudential – Let Prudential be your rock or Bring your challenges.
I have represented people against insurance companies for 25 years and can tell you unequivocally that these insurance companies will do anything they can to deny you fair money for your loss whether it be personal injury, property damage or economic loss. In your toughest time of need you will not be in their “good hands” and they will not be your “good neighbor.” Protect yourself and your family after an accident and understand they are not in any way trying to help you.
Ten of the worst tricks insurance companies use in trying to deny people fair money for their claims after an accident are as follows:
If you or a loved one has been involved in a car accident, enlisting the help of an experienced New Jersey personal injury attorney is in your best interest. A knowledgeable and skilled car accident lawyer will do everything possible to ensure that you are awarded the damages you deserve following a motor vehicle accident. In addition to navigating the legal process of filing a personal injury claim, the team at Scura will help to complete important paperwork, negotiate with insurance companies and protect your legal rights to help you win the settlement you deserve. But knowing exactly when it’s time to hire a car accident lawyer can mean the difference between losing out on monetary damages that you are entitled to and feeling comfortable in a proper settlement.
There are many different types of accidents that can qualify for personal injury compensation. If you have been injured in an accident, one of the first things you should do is take the time to consider whether or not someone else is responsible for your injuries. Under personal injury law, if you have been injured in an accident due to a third party’s negligent acts you have the right to file a claim to seek damages. So how do you know when you have a case and when you don’t?
There are many different situations where you may become injured and have a valid personal injury claim on your hands. However, before you can receive compensation, you and your personal injury attorney must be able to prove that a negligent third party is responsible for your injuries. This is a task that is often much easier said than done but with a knowledgeable and skilled personal injury lawyer by your side, your chances of reaching the maximum settlement possible greatly increase.
While every personal injury situation is different, there is no specific guideline to follow when it comes to hiring a personal injury attorney. But trying to understand the legal process without an experienced legal team can be very difficult. If you or a loved one are trying to settle your personal injury case on your own, there may be a time when you need help from a New Jersey personal injury lawyer. Whether you are dealing with serious medical complications, difficulty navigating your claim or you have run into a roadblock with the insurance companies —having some extra help on your side can make a huge difference.
If you were injured in an accident due to the careless or negligent acts of a third party, you may be able to file a claim for compensation. While everyone has seen the commercials and read the billboards, the personal injury process is still one that few people understand properly before filing a claim. With this comprehensive guide to understanding personal injury in New Jersey, you can get the answers to your most pressing questions and begin the process of filing a claim.