In the aftermath of a motor vehicle accident, one of the first steps you typically take is to contact your insurance company to seek reimbursement or payment of medical expenses. In the state of New Jersey, the type of automobile insurance policy you have will determine how the reimbursement is handled.
In New Jersey, as in all other states, there’s a no-fault option for motor vehicle insurance. With a no-fault approach, when you have been hurt in a motor vehicle accident, you turn to your own insurance company to compensate you for your losses, rather than the at-fault party’s insurer. Your insurer will typically pay your losses and then seek reimbursement through a legal process known as subrogation.
Unlike most other states, though, New Jersey gives you a choice—you can opt for no-fault coverage or you can purchase a “traditional” policy of motor vehicle insurance. If you select the latter, you retain the right to sue the other party and the other party’s insurance company.
Furthermore, New Jersey’s insurance law also allows victims of “serious injury” to bring a lawsuit against the at-fault driver and his/her insurer, even if the victim has selected the no-fault option. The law defines serious injury to include “dismemberment, significant disfigurement or scarring, displaced fractures or the loss of a fetus.”
Contact the Law Offices of David J. Karbasian, PC
Don’t risk the loss of evidence or the disappearance of a witness. The sooner you retain legal counsel, the better! Send us an e-mail today or call us at 856-667-4666 / 856-600-HURT to schedule an appointment.
We handle all personal injury claims on a contingent fee basis. We won’t charge any attorney fees unless we recover compensation for your losses.
Evening and weekend meetings can be arranged upon request. We’ll come to your home or the hospital to meet with you, if necessary.
