Your involvement in an automobile accident may be one of the most stressful events in
your life. You will have many questions including; who will pay for your medical expenses?
Who will repair your vehicle? Will you be compensated if you lose time from work? If you
suffer a serious injury, you may have questions about your right to receive compensation from
the person responsible for causing the accident. 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.

No Fault Automobile Insurance States

New Jersey is a no fault automobile insurance State. This means that payment of your
medical expenses and bills will generally be determined by the insurance coverage provided in
your own policy of automobile insurance. The personal injury protection (PIP) coverage in your
policy usually includes a $250.00 deductible and 20% co-payment applicable to the first
$5,000.00 in medical expenses, however, higher co-payment and deductible options are
available. A lawyer will be able to explain your coverage options to you in detail. Similarly,
you may be entitled to compensation for lost wages and earnings from your automobile
insurance carrier, depending upon the coverage in your policy. Additional benefits, for example,
pay for the cost of essential services such as house cleaning, transportation, etc. may also be
available to you. We can help you with sorting out your rights and benefits and then insure that
you receive the coverage which you are entitled to.

Your Claim Rights

Your right to pursue a claim for compensation for damages which you sustain from an
accident, including pain, suffering and disability, will also be determined in most circumstances
by the insurance coverage provided by your policy. If you purchased automobile insurance with
the limitation on lawsuit option, then your right to make a claim for monetary damages or to file
a lawsuit against a careless driver must satisfy one of six threshold categories. The ability to and
likelihood of overcoming the threshold limitation may depend upon how quickly you retain an
attorney to protect your rights. We invite you to contact us as soon as possible so that may begin
to protect your rights.

If You Are The Responsible Party

In circumstances where you are the party responsible for causing the accident, you may
have questions concerning your protection against lawsuits or claims by persons injured in the
collision. You may also have received a motor vehicle summons which exposes you to
significant fines and penalties, including potentially a loss of your driving privileges. We can
help you to protect yourself against claims from others and also the fines and penalties involved
with a traffic ticket summons.