Atlantic City Car Accident LawyerRequest a Free Consultation
If you’ve had a car accident in New Jersey, you need to focus on your physical recovery while the attorneys at Grungo Law focus all of our strong local resources and diligent attention toward making the most out of your injury claim. Contact our Atlantic City personal injury attorney today so we can evaluate your case and begin working on your claim.
No one expects a routine car drive to work or a weekend drive to visit family or run errands to end in disaster, but nearly 700 fatalities occurred in car crashes in 2022 in New Jersey, topping the total number in 2021. No one is prepared for an accident, but when the dust settles after a crash, injury victims can find themselves with mounting medical bills at the same time they are unable to return to work. Insurance companies typically don’t readily write checks for victims. They sometimes use recognizable tactics to undervalue car accident claims, which is why speaking with our Atlantic City car accident lawyer can be of utmost importance when dealing with these cases.
Counteracting Common Insurance Tactics After a Car Accident
While you’re busy focusing on recovering from your car accident injuries, insurance representatives are typically focused on finding ways to minimize their payout on your claim. Some all-too-common tactics insurance adjusters use to lowball or deny a claim include:
- Calling shortly after an accident and offering a low settlement before you know the full extent of your injuries and financial damages
- Seeking medical authorization under the guise of reviewing your injury report, and then scouring your medical history to find a way to claim that your pain is caused by a pre-existing condition rather than the accident
- Recording phone conversations and using your words out of context against you
- Claiming that your doctor-recommended treatment isn’t necessary
Don’t fall for an insurance company’s attempts to minimize a payout on your damages. Instead, call the Atlantic City car accident attorneys at Grungo Law before speaking to an insurance representative.
Understanding New Jersey’s No-Fault Insurance Laws
Unlike some states, New Jersey’s no-fault insurance laws mean most car accident claims are filed against a person’s own insurance policy, regardless of whether or not they were responsible for the accident. Depending on the limits of your policy, you may or may not have the right to sue the at-fault driver for damages, typically paid out by their insurance policy. New Jersey drivers with standard auto insurance policies can add a provision that allows them to sue other drivers. If you chose an unlimited right to sue the liable party in an accident when you selected your policy, you may be able to gain compensation for pain and suffering as well as for your tangible economic damages. If the accident results in the passing of a loved one, our wrongful death attorneys will fight for the justice of your family.
Proving Liability in a New Jersey Car Accident Claim
When another driver is clearly at fault for your car accident, your insurance policy provisions may allow you to recover damages from the insurance company of the at-fault party. The success of this type of claim requires your Atlantic City accident attorney to clearly demonstrate liability on the part of the other driver. In other cases, the liable party for the accident could be a city or state agency responsible for maintaining roads, traffic signals, and road signs. In either case, proving liability requires showing the following points:
- That the at-fault party owed a duty of care to keep you and others safe on the roadway through reasonable precautions such as following traffic laws and properly maintaining roads in high-traffic areas
- That the person or entity breached that duty through negligence or recklessness
- That the negligence or recklessness directly caused your accident and injuries
- That you’ve suffered real damages from the injury, including economic damages like medical expenses and non-economic damages like pain and suffering
By demonstrating liability on the party of the person at fault in the accident, your Atlantic City car accident lawyer can present the most compelling case for your full compensation.
What to Do After A Car Accident in Atlantic City
Car accidents are terrifying and traumatic. In some cases, you may be far too injured to do anything except wait for help. But if you’re able to use your phone for certain steps or ask someone else to use your phone for you, the following measures could improve your chances of recovering to the fullest possible extent both your physical and financial health:
- Call 911 to report the accident
- Take photos of your vehicle, any other involved vehicles, and the accident scene
- Include photos of any other factors relevant to the accident like obstructions or damage in the road, intersections, traffic signals, merge signs, or traffic signs
- Take photos of your visible injuries
- Add the contact information of other drivers and eyewitnesses to your phone
- Allow emergency services to transport you to an ER
- Undergo a complete medical exam and be sure your doctor checks every symptom even if it appears minor
- Carefully follow your doctor’s instructions, attend every appointment, and fill every prescription
- Keep all of your medical bills or invoices
- Keep a record or journal of your pain and recovery experience
- Obtain the police report of your car accident
- Call the Atlantic City car accident attorneys at Grungo Law and direct all communications with insurance companies to your lawyer
By keeping a cool head during the chaotic aftermath of an accident you can proactively take steps toward your later recovery. An accident may be out of your control, but how you react can be an important means of taking back your power.
What Damages Can I Recover in an Atlantic City Car Accident Claim?
A car accident can have lasting or long-term consequences on your life, especially if you’ve experienced grave injuries that take many months to heal or injuries that leave you with a permanent disability. A successful car accident claim results in an ample payout by your insurance policy or the policy of the party at-fault in your accident if the terms of your auto insurance coverage allow it. With the help of a skilled car accident attorney in Atlantic City, you could recover the following damages:
- Medical costs
- Future medical expenses if you have further treatment impending
- Lost paychecks
- Future pay losses for treatment, procedures, and recovery time
- Diminished earning capacity if you’ve sustained disabling injuries
- Pain and suffering
While monetary compensation can’t erase pain and suffering, it can help open doors to better medical treatment and relieve financial worries while you work on maximizing recovery from your injuries.
Do I Have to Appear in Court for a Car Accident Claim?
By having the representation of a skilled and experienced auto accident lawyer, you increase your likelihood of receiving an ample settlement without having to step foot in a courtroom. The vast majority of car accident claims settle out of court when your lawyer does the following:
- Diligently investigates all aspects of the accident to show liability
- Drafts a strongly worded demand letter to the appropriate insurance company highlighting the evidence of their client’s liability
- Attends negotiations with insurance representatives to advocate for your best interests
- Negotiates a mutually agreeable settlement that covers your damages with the maximum compensation possible
While it’s unlikely that your car accident claim will require a court appearance, the attorneys at Grungo Law are fully ready to represent your best interests in court if necessary to secure the recovery for your damages.
Why Choose Us for Your Atlantic City Car Accident Case?
The skilled accident attorneys at Grungo Law understand how to navigate New Jersey’s no-fault insurance laws to maximize your compensation. We will investigate the circumstances of your car accident and determine fault and then find the best way to proceed on your claim according to the terms of your policy. We understand how to counteract an insurance company’s attempts to minimize their payouts so you can recover financially while you recover physically. Contact our Atlantic City office today for a free evaluation so we can begin advocating for your rights throughout every step of the claims process.