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Nobody expects to be involved in a car accident. But if the unexpected takes place, you should protect your rights by taking a proactive approach as you go through the car accident claim process. A lot of factors could impact your claim’s value and outcome. To boost your chance of recovering reasonable compensation for your losses like medical expenses, lost income, and vehicle repairs, hire a car accident lawyer in New Jersey, The outcome of your car accident claim can be affected by the following factors:
Fault and No-Fault Insurance System
Following a New Jersey car accident, you must decide whether to pursue monetary compensation through your own insurance company or the insurance provider of another driver. A no-fault policy exists in the state, requiring all motorists to bring claims with their insurers, regardless of fault. State law requires drivers to buy personal injury protection (PIP) insurance to give coverage in first-party claims.
This no-fault rule’s only exception is when you suffer serious injuries that meet the threshold of the state. In this case, you can bring a claim against the insurance of another driver. Your injuries should be serious enough to cause disfigurement or scarring, the loss of a limb, a permanent disability, the loss of an unborn child, broken bones, or death.
The Seriousness of Your Injuries
Often, the seriousness of your injuries will have a direct effect on your claim’s value. Generally, the more serious your injuries, the greater the award you may get. The state offers bigger awards for those who need lifelong medical care like surgeries, rehabilitation, and physical therapy. If an accident provided you with a permanent disability, you can get more compensation from the insurance provider of the at-fault driver than with a minor injury. A catastrophic injury can qualify you for past and future damages.
Coverage Available
In most cases, car accident victims don’t pay for damages car accident lawyer in New Jersey with their own money. Rather, they depend on their car insurance policies to give them coverage. If coverage isn’t available, like an accident with an underinsured or uninsured motorist, this could impact your ability to secure compensation. Also, your policy’s coverage and the number of victims will affect your claim. Available coverage for an accident that involves several victims may be less as the insurance benefits are distributed in many ways.
Comparative Negligence
Your contributions to the accident could affect your claim’s value. Your financial recovery will be reduced by your percentage of fault as determined by the court.
