Understanding No-Fault Accidents in New Jersey
Bergen County attorneys explain your right to sue or choose no-fault insurance coverage
When you are injured in an auto accident, the resulting medical bills, lost wages, permanent injuries, car damage and other losses can be overwhelming. Your first thought may be to turn to insurance companies for the compensation you need. However, more than likely you will not receive the full compensation you deserve in your car accident case from insurers.
At the Law Offices of Richard S. Greenberg, we help you understand your rights and options after an accident, including negligence laws, no-fault insurance and your right to sue. Our Bergen County lawyers understand the fright and pain you have experienced in a serious accident, and we are dedicated to providing you with the legal care, comfort and support you need.
What is no-fault insurance?
No-fault insurance covers your damages when you are in an accident, regardless of whether you or another driver or party is at fault under New Jersey’s negligence laws. In New Jersey, you can pick no-fault insurance or you can choose the “full tort” option in auto accident cases, which allows you to pursue a lawsuit for personal injury in court.
If you choose the no-fault insurance option, you may recover a variety of benefits under your plan, such as:
Bodily injury coverage for anyone injured in an accident
Personal injury protection coverage for medical bills and other losses, such as lost wages
However, the amount you can recover is limited by the policy, and many losses are not covered, including damage to your vehicle and other property. Moreover, in many cases an insurer may offer you a settlement of less than you deserve.
Why you need an attorney after any serious car accident
While you may think it wise to turn to insurance companies for the compensation you need, insurers are not on your side. Insurance providers are big businesses that have the goal of maximizing profits. They do so by finding ways to deny or undervalue your claim, paying you less than you deserve for your injuries and losses.
At the Law Offices of Richard S. Greenberg, we have decades of experience dealing with large insurers. Our results speak for themselves. We use our long history of practical experience and our professional reputation to negotiate a fair settlement for you and your loved ones. We can guide you through your options to help you choose when to opt in for no-fault insurance coverage and when to pursue a lawsuit. When you choose no-fault insurance, we are strong negotiators who do not settle for less than your claim is worth. When you choose to sue, our trial lawyers aggressively protect your rights in court.