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It is difficult to overstate the impact a car accident can have on a person’s life. Insurance companies in New Jersey will often try their best to protect their clients and will attempt to place at least some of the blame on the victim. In other cases, the defendant’s insurance policy will not provide protection in case of third-party injury. In fact, New Jersey law does not require a car insurance policy to provide protection for those their policyholders injure at all. When the at-fault driver does not have insurance to cover your injuries, you may need to seek alternative sources of compensation.
A Medford uninsured/underinsured motorist accident lawyer is familiar with New Jersey’s laws concerning minimum insurance requirements. In addition, an experienced car wreck attorney could work to analyze each party’s insurance policy to determine the best route forward to obtain the compensation you deserve.
Taking the Case to Court in Medford
There may be some situations where neither driver has coverage that will provide payments in the event of an injury. In still other cases, the policies may not provide enough compensation to cover the damages. When this is the case, you may have no choice but to take the defendant driver to court.
You must be able to prove that the defendant’s negligent driving was the cause of the accident and thus the source of your injuries. You must also file your case in court quickly after the accident. According to New Jersey Statute 2A:14-2 (a), all cases based on a personal injury must be in court within two years of the accident. If this time limit passes, the defendant can ask the court to dismiss the case and the court may be forced to agree.
Cases in court can demand compensation for not just the costs of medical treatment, but for all costs associated with the accident. A complete claim will make demands for medical costs, property damage, lost earnings, and mental anguish. To determine whether a court case is the best path towards receiving compensation, speak with a Medford uninsured/underinsured motorist accident lawyer who could thoroughly assess your case.
Collecting Compensation in Cases of Uninsured/Underinsured Motorists
New Jersey law does not require an insurance policy to provide protection in the event of personal injury to anyone other than the policyholder. While this is coverage that is made available to customers, no driver is required to have it.
As a result, an insurance company might not provide any compensation to someone injured by their client’s negligence. In other cases, the insurance company may provide some compensation, but not enough to cover all the losses endured by the injured person. When this happens, you may need turn to your own insurance policy to provide compensation.
Some insurance policies provide uninsured/underinsured protection. This is used specifically in the situations described above. If the insured is injured in an accident and the other driver is at-fault but uninsured, the policy kicks in and provides payments. A Medford uninsured/underinsured motorist accident lawyer could help decipher your insurance policies and make claims when applicable.
How a Medford Uninsured/Underinsured Motorist Accident Attorney Could Help
Many car accidents are complicated. In addition to determining which driver is at fault, the parties involved must also be aware of the protections provided by their insurance policies. This protection, or the lack thereof, will determine the available routes to demand compensation.
A Medford uninsured/underinsured motorist accident lawyer could help you choose the correct means to collect compensation. Contact an attorney today to discuss your options.