Whenever you venture out onto a road or highway in New Jersey, you run the risk of suffering a serious accident. Even if you are a good driver, you may not be able to avoid a crash that results from the negligence of someone else. This is when you should consider turning to the services of a lawyer.
Basic Coverage Requirements in NJ
Under the ‘no fault’ insurance system in New Jersey, motorists are required to carry basic coverage in the event of an accident. The costs of the accident are borne by the driver’s own policy. The minimum coverage will provide at least $15,000 for each person injured in the accident and at least $30,000 in the event of multiple injuries. Additionally, a basic policy will cover at least $5,000 in property damage resulting from a single accident. However, these amounts may not be sufficient in cases of major crashes that result in serious injuries to one or more victims.
How Compensation Is Determined
The costs of a traffic accident will of course vary upon the nature of the mishap and the resulting injuries and the number of vehicles involved. Motor vehicle injury costs normally extend to these six areas:
- Wage and productivity losses
- Medical expenses
- Administrative expenses
- Motor vehicle property damage
- Employer costs
Why You Need a Lawyer
The manner by which compensation is determined will require a careful review of the case. This is why those seeking damages beyond what’s covered by a basic policy will need the representation that can only be provided by a lawyer. An attorney will review the facts of the accident to establish financial responsibility and will also review medical records in order to determine the amount of compensation that is needed.
In addition to the legal expenses, there are other issues related to a serious traffic accident. One of these pertains to what is known as comparative negligence. This rule could affect the damages that are available to the victim. Another issue is the statute of limitations, which is the time available to file a claim. In New Jersey, claims normally have to be filed within two years of the date of the accident to be valid.
Traffic accidents can be complicated, but so are the laws that govern them. If you or someone close to you has been harmed in a traffic mishap, the wise thing to do is to seek assistance from a personal injury lawyer. Contact Garces, Grabler and LeBrocq, P.C. right away.