Personal Injury Survival Handbook

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TOP ACCIDENT INJURIES

Car accidents can cause many different types of injuries with varying degrees of severity. The amount of injury may not be proportional to the amount of damage to the car. Even low impact crashes have been known to cause injury. Accident injuries should be evaluated by a physician to make sure there are no serious or permanent injuries. Some common injuries are:

Lacerations (Cuts) , Broken Bones , Sprains and Strains, Spine, Back & Neck Injuries, Internal Injuries, Concussion and Traumatic Brain Injury (TBI)

 

Accident Injuries Definitions

NEW JERSEY AUTO INSURANCE BUYERS GUIDE

Auto insurance is required in New Jersey. As a New Jersey driver, you have many choices when it comes to purchasing auto insurance. Each choice you make affects the coverage you and your family receive. New Jersey is a “no-fault” state which means the insurance you purchase is directly responsible to protect yourself and ultimately your entire family. When you are in an accident, you must go through your own insurance, NOT the other person’s insurance. There are two main types of coverage Personal Injury Protection (PIP) and Liability.

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AUTO INSURANCE SHELL GAME

What you need to know about NJ auto Insurance.

PERSONAL INJURY PROTECTION

This is your medical coverage for injuries you (and others) suffer in an auto accident. PIP pays if you or other persons covered under your policy are injured in an auto accident. It is sometimes called “no-fault” coverage because it pays your own medical expenses no matter who caused the auto accident.

PIP has two parts — (1) coverage for the cost of treatment you receive from hospitals, doctors and other medical providers and any medical equipment that may be needed to treat your injuries and (2) reimbursement for certain other expenses you may have because you are hurt, such as lost wages and the need to hire someone to take care of your home or family.

LIABILITY

This coverage pays others for damages (Bodily Injury & Property Damage) from an auto accident that you cause. It also pays for a lawyer to defend you if you are sued for damages that you cause. Bodily injury pays for claims and lawsuits by people who are injured or die as a result of an auto accident you cause. It compensates others for pain, suffering and economic damages, such as lost wages. Property damage liability pays for claims and lawsuits by people whose property is damaged as a result of an auto accident you cause.

We suggest single limit liability coverage based upon your assets.

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BEFORE YOU MAKE A DECISION

Before you make the decision to take the lowest insurance policy to save money, check the value of the savings compared to what you are giving up. In most cases the savings is only a few dollars per month but you are giving up $235,000 worth of benefit. It’s a shell game! You think you are getting a good deal but what you are giving up for minimal savings can cost you and your family everything. Insurance companies love when you take the $15K policy because their liability is minimal and they don’t have to give you much of a discount. You must realize that $15,000 limit is not enough coverage to insure that you or your family members will receive the proper treatment to resolve your condition. If surgery is necessary $15,000 won’t even cover the anesthesiology bill.

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DON’T LOSE WITH CHEAP INSURANCE.

Get the facts before you sign-up for a cut rate policy.

WHAT TO DO AFTER A CAR ACCIDENT

Car accidents are the leading cause of death in the United States. It was reported that every minute a car accident occurs. Drivers are often taught how to avoid a car accident but the one thing that is lacking in their vehicle education is what to do after an accident has occurred.

Step 1 – Make sure you are aware of what your insurance covers

One of the first things a person can do before an accident is to make sure you are aware of what your insurance covers. This way you can make sure that a tow truck or a rental car is covered by your insurance. You should also put an emergency kit in their glove box. Inside should be a paper and pen to take down the other driver’s information, a camera or cell phone to take pictures of the damage, a note card with any special allergies or conditions a paramedic would need in the event of a serious injury, and a list of emergency numbers. You should also keep flares and traffic triangles in the trunk to avoid another accident with another car.

Complete Guide

HOW TO GET YOUR CAR REPAIRED AFTER AN AUTOMOBILE ACCIDENT


After any accident you need to take steps to get your car repaired after an automobile accident. It doesn’t have to be complicated or overwhelming to complete the process.

  • Identify Fault
  • Estimation and Repair
  • What If You Are At Fault
  • Make Sure You Are Covered
Accident Repair Info
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TOP 5 TIPS WHEN BUYING NJ AUTO INSURANCE

  • Use an INSURANCE AGENT agent when buying insurance to insure your needs are being met.
  • Buy $300,000 single limited liability coverage.
  • Have a MINIMUM of $250,000 PIP benefit. ($15K is not enough and in most cases only saves you $12 per month.
  • NEVER make your health care insurance primary over PIP. If you do not have valid health care insurance that coordinates with PIP you could have a deductible penalty of an additional $750.
  • Select NO Threshold if you can afford to.

HECTOR’S STORY

Hector was working as a line cook in a good restaurant. He was starting to make a name for himself. He was sitting in traffic and without warning a car slammed into his vehicle. He was taken to the hospital and released with continued neck and right shoulder pain. He was referred to a doctor who sent him for an MRI of his right shoulder. He had three tears in his rotator cuff. After some therapy which only helped slightly, he was still out of work and unable to lift his arm. Surgery was recommended. However, Hector bought his insurance online and selected the minimum policy of $15,000. At the time he thought he was getting a good deal and he would have enough coverage. He currently cannot afford the surgery and is unable to work. Don’t let this happen to you!

THE BEST WAY TO PREVENT AN ACCIDENT

Is by simply paying attention to your driving at all times and by obeying all traffic rules and posted speed limits. Being distracted by cell phone use, doing other things while your driving or talking to others in your car can make your risk much higher. Be extra careful and slow down while driving in bad weather. You should also never get behind the wheel of a car if you feel that you are too tired to drive and you should never drive while under the influence of alcohol or drugs.

SAFE DRIVING TIPS FROM EDMUNDS.COM

The Automotive Journals from Edmunds.com know a lot about how to stay safe on the road. They are required to take special yearly training for insurance purposes. Read their top tips for staying safe on the road including:

    • Avoid the “Fast Lane”
    • How to Get Racecar Driver Control of the Wheel
    • Knowing Your Car’s Limits
Edmunds.com Tips

LEGAL RIGHTS

Car Accidents can be the cause of major headaches, especially if there is any kind of legal action involved. Because of the many issues that you will have to address following an accident, we recommend that you seek legal advice as soon as possible. Check out our Legal Rights Guide for more information on the following:

    • No Fault Automobile Insurance States
    • Your Claim Rights
    • If You Are The Responsible Party
Legal Rights Info

WHAT KIND OF DOCTOR SHOULD I SEE?

Learn more about the different types of doctors that you might be seeing after an automobile accident.

  • Chiropractors
  • Pain Management Specialists
  • Orthopedists

 

What Kind Of Doctor Should I See?

Get answers to other questions:

  • Q: What is the best way to prevent an accident?
  • Q: Should I go to the doctor?
  • Q: Should I contact the police?
  • Q: What information should I record following an accident?
  • Q: Should I take pictures of the accident scene?
  • Q: Should I consult an attorney?
  • Q: Should I contact my insurance company?
Questions and Answers

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    1594 Route 130 in North Brunswick, NJ