Moorestown Car Accident Lawyer
Car accidents can occur any time of day on any type of road. The odds of a car accident occurring increases when there is more traffic on the road. Moorestown is a township in Burlington County, New Jersey that has more than 123 miles of road, although only a small fraction of those are highways. The major roadways that run through the almost 15-square-foot town are New Jersey State Route 38 and County Route 537. The rest are all run by the municipality.
Many of the township residents flock to Philadelphia every day for work or other reasons. This means that at certain times of the day, traffic increases. Those commuting to the city are not the only reasons Moorestown residents have to be out in their cars. They could be taking children to school or heading to the store.
When a car accident happens, it can have a devastating impact on you and your family. The financial consequences could be significant. In New Jersey, you can obtain compensation through your insurance, or there are certain instances when you can file a claim against another driver. A Moorestown car accident lawyer can hep you determine your legal options.
Is New Jersey a No-Fault Insurance State?
New Jersey is a no-fault insurance state, meaning that regardless of the role you played in the accident, you will be able to recoup some of your losses through your insurance. You need to report the accident to your insurance provider and put in for the compensation you are seeking. Your insurance will cover certain out-of-pocket costs, such as:
- Medical expenses: If you were injured in your car accident, you can receive compensation to recoup the losses associated with tending to your injuries, including doctor visits, X-rays, surgeries, and medication.
- Lost wages: You may be unable to return to work due to your injuries or your treatment, which means you have to miss time way from work. You can claim lost income on your insurance.
Insurance companies may not always be willing to dispense the full amount that you need, and you should not have to settle for anything less than what you deserve.
What Type of Insurance Do I Need to Buy in New Jersey?
If you are driving in the State of New Jersey, you are required to purchase car insurance. The type of insurance you hold will dictate your legal options should you be involved in a car accident.
While personal injury protection (PIP) coverage provides you compensation for your car accident injuries, it limits you from filing a claim against another driver. You also cannot pursue damages for non-monetary losses.
That is not the case for all car insurance policies, and you can have added flexibility to file a claim, although you will have to pay a higher premium. Your two options when it comes to auto insurance include:
- Basic policy: This is a restrictive policy that contains a limited right to sue option, meaning you cannot file a claim against another driver unless you meet certain requirements, such as a catastrophic injury. This policy has lower premiums.
- Standard policy: If you wish to maintain your right to file a claim against another driver, you should select this policy, as it allows you to choose an unlimited right to sue option. This is a more expensive policy, although it affords you more flexibility should you be involved in a car accident. You can also seek non-monetary losses.
Note that you will not be able to purchase a standard policy after you had a car accident and expect to file a claim against the at-fault driver. This is a decision you need to make ahead of time.
What Can I Recoup When I File a Claim Against Another Driver?
Even if you hold a basic policy, there are still limited opportunities where you can file a claim against another driver. Those circumstances involve situations where you have sustained significant injuries, including:
- Permanent injury.
- Loss of a fetus.
- Considerable disfigurement.
- Displaced fractures.
- Major scarring.
With those circumstances, or if you select the unlimited right to sue option under the standard policy, you can seek both economic and non-economic expenses. That means that in addition to your medical expenses and lost wages, you can also seek compensation for pain and suffering and other non-monetary losses.
Note that New Jersey follows a comparative negligence rule, meaning that each party will be assigned a percentage of fault. Those who are found to bear more than 50 percent of responsibility for the accident are ineligible to collect any compensation. Your percentage of fault will also be deducted from the overall compensation award.
It is important that you speak with a Moorestown car accident lawyer as quickly as possible, as there is a two-year statute of limitations on filing a personal injury claim. If you fail to do so within that window, you run the risk of not having your case heard in court.
What Are Common Car Accident Injuries?
When you are involved in a car accident, injuries can occur. The severity of those injuries can range from significant to minor. The most common car accident injuries include:
- Whiplash: When you are in a car crash and your body is suddenly forced in a different direction, it can put significant strain on your neck. Whiplash will manifest itself as pain in the neck and/or back. You can likely recover easily from this, however, it is important that you seek medical help for this right away.
- Broken bones: The stress placed on your limbs can be extremely intense and too much for them to handle, leading to a broken bone. Most people can fully recover from a broken bone, though they will be inconvenienced for some time.
- Bruises: Even a minor car accident is going to result in some bruising. Parts of your body may scrape up against parts of your car or have an impact with your interior which could leave a mark.
- Back injuries: Your body can contort and encounter forces that it is not accustomed to handling, and that can put a tremendous strain on it. You could herniate a disc in your back.
- Internal bleeding: Impacts to your body not only affect your exterior, but your interior as well. Your delicate organs can sustain damage as well, which can cause bleeding. That internal bleeding can cause even more problems if it is not treated quickly.
- Brain injuries: A brain injury can be devastating. The brain controls everything throughout the body, and any damage to it could have lifelong consequences.
Having a car accident injury can be overwhelming, and you want to be sure that you have the finances to support you and your family as you recover.
Moorestown Car Accident Lawyer at the Law Office of David S. Rochman Offers Legal Support in the Aftermath of a Car Accident
When you are injured in a car accident, the weeks and months afterward can be confusing and traumatic. You need someone on your side who can help you thorough the legal process. Our Moorestown car accident lawyer at the Law Office of David S. Rochman will give you the legal help you need. Call us at 856-751-2345 or contact us online to schedule a free consultation. Located in Mount Laurel, New Jersey, we serve clients throughout Burlington County and the surrounding areas.