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No one begins their daily routine expecting an accident, but people become victims of injuries every day, often due to the fault of someone else. Accidents can be distressing, but when it’s a preventable accident caused by another party’s negligence or reckless action, it’s especially traumatic. In New Jersey’s no-fault insurance state, insurance companies use a variety of tactics to minimize their payouts on claims or to deny them completely so injury victims don’t always recover the damages they deserve.
Don’t fall victim to insurance representatives who prioritize profits over payouts. Instead, contact the Atlantic City personal injury attorneys at the New Jersey personal injury firm of Grungo Law to represent your best interests throughout the claims process.
Common Personal Injury Cases in Atlantic City
Accidents of all kinds can have devastating consequences on your physical and financial health. Expensive medical treatments and long recovery times may mean bills are coming in while you’re unable to work. This makes it all-important to maximize your chances of fully recovering damages either from your insurance company or that of the person at fault if your policy allows. In some cases, an injury could have life-altering consequences. Some common causes of personal injury claims in Atlantic City include:
- Car accidents
- Truck accidents
- Pedestrian accidents
- Bike accidents
- Motorcycle accidents
- Workplace injuries
- Defective products
- Medical malpractice
- Slip and fall accidents
- Nursing home neglect/abuse
- Dog bites
In some cases, personal injury cases can become catastrophic injury claims, when life-altering injuries make it impossible for a victim to retain their normal job due to a new disability or impairment. In the worst cases, a personal injury case may become a wrongful death claim, moving forward through a loved one left behind.
The attorneys at Grungo Law are ready to investigate your unique injury case, diligently file all paperwork in a timely manner, and aggressively pursue your full compensation.
Understanding Liability in Personal Injury Cases
Recovering damages in a personal injury claim requires the plaintiff in the case to show clear liability on the part of the person or entity at fault in the injury. Meeting New Jersey’s legal points of liability requires showing evidence of the following:
- That the defendant owed a duty of care to keep you and others safe through reasonable measures and precautions, such as a store owner’s duty to place “Wet Floor” signs after mopping up a spill, or a driver’s duty to obey traffic laws
- That the defendant breached that duty by acting negligently, recklessly, or with intentional wrongdoing
- That the breach of duty directly caused your injury
- That your injury resulted in significant damages, including economic and non-economic damages like medical expenses and pain and suffering
When a case meets the above standards, the law acknowledges your right to compensation for damages, typically paid through the insurance policy of the at-fault person.
Common Tactics Insurance Companies Use to Deny or Lowball Your Claim
While we’d like to believe the promises insurance companies make when they’re selling us their policies, insurance companies exist on a business model that requires taking in far more in premiums than they pay out in claims. Despite their promises to be there for you in the aftermath of an accidental injury, insurance adjusters have a job description that requires them to find ways to undervalue claims or deny them completely. A skilled personal injury attorney recognizes and counteracts the following common tactics insurance companies use to maximize their profits at your expense:
- Calling you immediately after an accident with a low settlement offer when you don’t yet know the extent of your damages
- Requesting medical authorization to review your injury and then combing your medical history to find a pre-existing condition that they can claim is the true cause of your accident-related pain
- Recording your phone communications and then using your simple statements out of context against you
- Claiming your doctor’s recommended treatments and procedures aren’t necessary for your type of injury
- Claiming their coverage wasn’t in place at the time of your injury
Individuals should never go it alone against powerful insurance companies that use their own tried-and-true tactics to protect their profits. By directing all communications with insurance representatives to your attorney, you won’t fall into these common pitfalls. Insurance companies must live up to the provisions included in their contracts and the party at fault in your injury must be held accountable. An Atlantic City personal injury attorney is the key to making both of those things happen in your unique case.
What Compensation Can I Recover from a Personal Injury Claim in Atlantic City?
An Atlantic City personal injury lawyer can take on the burden of filing your claim and defending your rights against common insurance company tactics used to deny or minimize claims. With a strong local reputation in Atlantic City and a network of local resources to rely on, we have a strong track record of success in helping personal injury clients recover compensation for the following damages:
- Medical expenses and any future medical costs for additional necessary treatment, equipment, home health care, and physical therapy if required
- Lost income and future lost paychecks
- Lowered earning capacity due to a disability stemming from the injury
- Pain and suffering damages
While financial compensation cannot erase the harm caused by a personal injury, it can help victims gain access to better medical care and help relieve financial burdens.
Will I Have to Go to Court for An Atlantic City Personal Injury Claim?
The overwhelming majority of personal injury claims settle out of court through negotiations between your personal injury attorney and the appropriate insurance company. By performing a diligent investigation into all aspects of your accident and clearly demonstrating liability on the part of the person or entity at fault, your attorney can craft a compelling case for full compensation. Once you and your attorney calculate your damages, the attorney sends an evidence-backed demand letter to the insurance company of the liable party and then one or more meetings take place to negotiate terms on each of your damages until you gain an ample settlement.
While most cases successfully settle out of court, the attorneys at Grungo Law ultimately build a case that we will happily litigate in court if required to secure the compensation you deserve.
Why Choose Us for Your Atlantic City Personal Injury Claim?
The Atlantic City personal injury firm of Grungo Law understands the lasting impacts of serious personal injuries on all aspects of the victim’s life. We strongly advocate for our clients against powerful business entities and their insurance companies. We will use all of our resources to secure an out-of-court settlement while ultimately building a compelling case for courtroom litigation if necessary to recover full compensation for your damages.
Contact our Atlantic City office today for a free evaluation so we can begin a personalized strategy for your claim.