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Ten Tips About New Jersey Car Accident Claims

  1. Report the accident to your automobile insurance carrier. Unless you were performing work for your employer at the time of the accident, your carrier is responsible for your medical bills regardless of who caused the accident under New Jersey′s No-Fault Law. Make clear to every health care provider who treats you that you were injured in an automobile accident and provide your car insurance information for billing purposes. If your automobile carrier refuses to pay any bills or denies authorization for treatment, you may want to consider obtaining assistance from an attorney familiar with the law regarding automobile personal injury protection (PIP) benefits.

  2. One more tip about medical bills: Check the coverage contained in your automobile insurance policy regarding PIP benefits. The declaration sheet (a one- or two-page summary of coverage) will provide details. You should know your deductible and copay amounts for medical bills. Keep track of the bills, what is paid and what you owe; it should not exceed your deductible and copay amount. Submit the amount due to your health insurance carrier if you are insured, or ask your attorney to contact the health care provider to request that they accept a lien on any settlement or judgment he or she may obtain for you. Medical providers will sometimes agree and not turn the bill over for collection. Do not let bills go into collection. It is bad enough you are hurt physically; stay out of trouble economically.

  3. If you are unable to return to work immediately after your car accident due to your injuries, make sure to report it to your employer. Follow all policies and procedures. Get a note from your doctor advising that you are under his or her care and have your doctor project when you may return to work. Provide the original to your employer and keep a copy. If your company is large enough and you have worked long enough, the employer, in most situations, must hold your job or a comparable job for up to 12 weeks (without pay) under the Family and Medical Leave Act. Some employers have more liberal policies. Understand your rights and keep your employer advised of your status. Do not add to your problems by being fired.

  4. If you lose income from being out of work due to your injuries, you may be entitled to New Jersey State Disability Benefits (if you are out more than one week) and salary continuation benefits from your automobile insurance carrier. Check your policy and contact your local unemployment disability office about applying for benefits, or talk to us for further information. Your attorney may also be able to help you obtain such benefits. Finally, keep track of your lost income — you may be able to recover it from the other driver.

  5. If your car is damaged and you have insurance to repair it, use it. It is usually faster and you get paid for it! If the accident was not your fault, your automobile insurance carrier will get reimbursed by the other driver′s insurance carrier, including money for your deductible. If the other driver′s insurance carrier contacts you about the property damage, listen to whatever proposal it makes; you may want to consider it. If you are asked to give a statement about your injuries or how the accident happened over the phone, you may want to contact your lawyer before doing so, and listen to his or her advice.

  6. The type of auto insurance you have governs your right to seek compensation for your pain and suffering from someone who caused an accident. Specifically, if you have what is called verbal threshold or lawsuit threshold coverage as opposed to no threshold coverage, your policy may be cheaper. But, if you are hurt in an auto accident, you cannot sue the person who caused the accident unless you have what the court considers to be a permanent injury. How do you know what kind of policy you have? Look at the declaration sheet — usually a one- or two-page summary of coverage — and see what it says. You should take time to review your policy with your insurance agent to find the best coverage for you.

  7. Now for some advice on preserving evidence: If your car is badly damaged, you or someone you know should take photographs with a good camera before the damage is repaired. Make sure to include the license plates, front and back, in a couple of shots. Your attorney may know a good photographer or investigator for this purpose.

  8. Likewise, if you have suffered visible bruises, lacerations or swelling, take photographs with a good camera and date them. Again, it may be best to have a professional take the photographs.

  9. More about benefits: Your automobile insurance carrier may provide other benefits for you — car rental money, payment for appliances and devices needed to accommodate your injuries or essential services money to assist in daily living. Know your policy and talk to your agent.

  10. Finally, there are time limits to filing a lawsuit in New Jersey for personal injuries, so do not sit on your rights or you may waive them. Contact an attorney familiar with personal injury law.

Talk To An Experienced Car Accident Lawyers In Somerville Now

Call the Law Offices of Kevin Kovacs, Esq., at 908-336-0311. Attorney Kevin Kovacs can also be contacted through the online form. The firm offers a free consultation.