New Jersey Law Firm Representing Auto Accident Victims
Most of us, though we know that the statistical probability of being involved in a serious car accident is relatively high, manage to put this information out of our minds as we go about our daily routines. Those of us who have been driving for more than a few years have usually been involved in at least one “fender bender,” a minor collision in which no one is injured. Severe car accidents, involving serious injuries, are, of course, far more disturbing. Though less frequent than fender benders, they have become all too common. If you or a loved one has had the misfortune to be injured or killed in a car accident in New York or New Jersey, you should contact us, the personal injury law firm of Nagel Rice LLP, for assistance. Our astute, cutting-edge attorneys are ready to protect your rights and win you the compensation you deserve. Though you have a 2-year window to file a personal injury claim, the sooner you get in touch with us, the more likely we will be to find physical evidence and cooperating witnesses.
We are known for pursuing cutting-edge litigation in a variety of fatal and serious car accident cases, including:
- Distracted driving accidents
- Texting while driving
- Rear-end accidents
- Rollover accidents
- Mechanical failures
- Design defects
Reasons Car Accidents Occur
No matter how safely we drive, we can’t control external factors, like the behavior of other drivers, so the risk of having a collision is always there. Certain factors, some within our control and some not, increase the probability that a car accident will occur, including:
- Dangerous weather conditions (rain, sleet, snow, heavy wind, fog)
- Night driving (decreased visibility)
- Distracted driving (while texting, talking on the phone, eating, reaching for something)
- Driving while sleepy or physically exhausted
- Speeding or driving aggressively
- Poorly maintained roadways (e.g. potholes)
- Driving while intoxicated or impaired by drugs
- Driving with uncontrolled medical conditions, like diabetes or epilepsy
- Driving recklessly (tailgating, changing lanes erratically, drag racing)
- Ignoring traffic signals, such as stop signs, one-way signs, or red lights<
Age can also be a factor in car accidents. Young drivers who are inexperienced may make more mistakes or be more impulsive than mature drivers. On the other hand, older drivers may have diminished reflexes, diminished vision or hearing, or other health conditions that make them a hazard on the road.
Beyond all factors that can be moderated to reduce road risk, there are the totally unexpected, unpredictable causes that give accidents their name — a building facade that breaks and falls; an animal that runs into the street; a previously healthy driver who experiences a medical crisis. When such unavoidable events occur, no one is to blame.
No-fault insurance is designed to prevent unnecessary, costly litigation and to ensure that medical costs are paid promptly. Auto insurance in New Jersey or New York is known as “no-fault insurance” due to the fact that no matter who or what causes a car accident, your own insurance company is responsible for paying medical treatment fees for:
- Doctor bills
- Ambulance and emergency room bills
- Prescription medications
- Imaging tests, such as X-rays, CT scans, and MRIs
- Physical rehabilitation
- Lost wages
These payments, it should be noted, compensate for economic losses. No-fault insurance does not, however, cover pain and suffering. In order to be reimbursed for the misery of being seriously hurt, you must file a personal injury lawsuit. This is where Nagel Rice LLP comes in. As first-rate personal injury attorneys with offices in both New York and New Jersey, we are well-informed about the applicable laws in these two states, and extremely adept at negotiating or litigating to obtain substantial settlements. We have a proven track record of obtaining some of the highest damage amounts ever awarded, many in the hundreds of millions of dollars.
Personal Injury Protection (PIP)
All New York State residents, and almost all New Jersey residents, are required to carry personal injury projection, an extension of auto insurance to cover the economic aspects of injuries resulting from accidents. PIP covers not only the insured driver, but any passengers or pedestrians who suffer injury in the accident.
Types of Injuries Due to Car Accidents
Victims of auto accidents may suffer all kinds of injuries, some requiring prolonged medical care. If you have been in a serious car accident, you may, in addition to minor scrapes, lacerations, bruises and swelling, have suffered:
- Bone Fracture
- Neuromuscular damage
- Traumatic brain injury
- Internal bleeding
- Damage to internal organs
It is not uncommon for bodily harm suffered during an auto accident to have manifestations weeks, or even years after the fact, so it is important to consider how your injuries may affect you in years to come. At Nagel Rice, our savvy attorneys are well-versed in the possible complications and future implications of your present injuries and able to calculate reasonable costs that you may have to pay, or income you may lose, as time goes by. When we file a personal injury lawsuit on your behalf, we well used well-defined formulas to realistically assess the amount of money you will need to maintain yourself and your loved ones going forward.
When Personal Injury Lawsuits Become Necessary
Bodily injury (BI) claims are distinct from the no-fault payments described above. Though charged against the same insurance company, personal injury claims are processed entirely separately and are regulated by a different set of rules, departments, and adjusters than no-fault claims. They also have different standards of proof and available compensation.
No-Fault was designed to ensure that regardless of fault; an insurance company will pay cyclists, pedestrians, drivers, and passengers up to $50,000.00 for legitimate economic losses as described above. In many circumstances, however, this amount does not come close to covering losses you have incurred in terms of life-changing injuries that may alter employment opportunities, cause lasting emotional trauma, and result in diminished quality of life. With the assistance of one of the vigorous personal injury attorneys at Nagel Rice LLP, you can file a lawsuit that will cover your personal injuries much more comprehensively and will address issues of long-term disabilities and/or physical pain and psychological damage.
Choice No-Fault insurance in New Jersey
New Jersey one of only a few states known as a “choice no-fault” insurance state, meaning that drivers can choose between no-fault and traditional automobile insurance coverage. If the no-fault option is chosen, the driver’s insurance policy will pay for medical bills and other expenses. A lawsuit can only be brought against the other driver if the accident resulted in one of the following: displaced fractures, dismemberment, significant scarring or disfigurement, permanent injury, or the loss of a fetus.
Contact A New Jersey Car Accident
While insurance company representatives may appear compassionate and willing to help in the immediate aftermath of your car accident, you should be aware that their goal is to settle as quickly and inexpensively as possible. This is why it is important for you to have our knowledgeable, skilled team looking out for your interests. You should never sign any agreements with an insurance company before consulting with us. We have extensive experience and know precisely which strategies will work most efficiently to get you the settlement you’re entitled to. We have the resources to investigate, collect evidence, and interview witnesses and the skills to negotiate with agility. If negotiations break down, we are fully prepared to win your case through energetic litigation. To contact Nagel Rice LLP, just give us a call or fill out one of the convenient contact forms on our website.