The aftermath of a car accident can be confusing and stressful. Medical bills pile up, wages are lost and dealing with insurance can sometimes feel like a maze. In states like New Jersey, no-fault laws are put into place to help you pay personal injury claims quickly. Unlike fault states, where lawsuits depend on proving who caused the accident, no-fault states streamline the legal process.
How does this impact my insurance and legal options?
Regardless of who is at fault, your own Personal Injury Protection (PIP) insurance will cover:
- Necessary medical expenses resulting from the accident, up to a certain amount.
- A portion of lost wages, if your injuries prevent you from working.
- Essential services in some cases, if you can’t perform household chores due to your injuries.
Although lawsuits are generally restricted in no-fault states, there are exceptions when your injuries meet certain thresholds of severity. If your accident resulted in:
- Death
- Dismemberment
- Significant disfigurement or scarring
- Displaced fractures
- Permanent Injury (a doctor must certify the injury is permanent)
You may still have the right to pursue legal action against the driver at-fault for additional compensation beyond your PIP coverage.
Car accidents and the legal injury process can be confusing, which is why you need a personal injury attorney.
At Grungo Law Firm, our experienced personal injury attorneys are experts in navigating the legal process of no-fault laws. We can help you:
- File and manage your PIP claim to help you receive the maximum benefits entitled to you under the law.
- Evaluate your case to determine if you qualify for a lawsuit based on the severity of your injuries from the accident.
- Advocate for your best interests throughout the entire legal process.
No-fault laws can be a safety net, however, navigating them effectively is crucial. Don’t hesitate to reach out to our team at Grungo Law Firm to guide you through the legal process.
Call or text (856) 528-4494 or complete a Free Case Evaluation form