With more than 9 million residents in New Jersey, our roads are crowded with cars and pedestrians. If you are a victim of an accident, it is essential to have good legal representation to protect your rights and get you the compensation you deserve.
What do I do if I am injured in an accident?
The first thing you need to do is seek medical assistance. Speak with your primary care physician about your injury, and he or she will provide you with the care you need. If you were hurt in a car accident in NJ, most insurance policies carry personal injury coverage (PIP). PIP will pay for your medical care, physical therapy, chiropractic treatment up to the limit of your policy.
Should I speak to my insurance company or the defendant’s insurance company?
You should consult with an attorney before you make any statements to your insurance company. Your attorney will assist you in filing a claim to receive benefits. You should not speak or give a statement to the defendant’s insurance company without speaking with an attorney first. ANYTHING you say or provide to the insurance company can and is likely to be used against you in your case.
What happens after I file a claim?
Generally, you will continue with your treatment as directed by your treating physicians, and check with your attorney periodically throughout your treatment. When you are done with your treatment, your attorney will order your medical records and present your case to the defendant’s insurance company. If the insurance company refuses to award you the damages you deserve, your attorney will file a lawsuit on your behalf.
What is expected of me if you file a lawsuit on my behalf?
When a Complaint is filed, the case enters a pre-trial litigation phase. The first stage is called “Discovery,” which is a set of devices available to both sides to exchange information and prepare for trial. Discovery devices include: a set of written questions called interrogatories, oral testimony or depositions, expert reports, and medical history. You must be available to assist your attorney in preparing your case and allocate time to attend your deposition.
Should I accept the first settlement offer from the insurance company?
NO. The insurance company will likely make an offer to avoid going to trial. Your attorney will ensure that the settlement is fair, and enough to compensate you for your pain and suffering as well as cover any outstanding medical bills.
Insurance companies have teams of attorneys working to protect their interests and settle your claim for the least amount of money possible, if at all. Do not fight this fight without a skilled attorney on your side.