When you’ve been injured in a motor vehicle accident in New Jersey as a result of someone else’s carelessness or negligence, your first course of action is typically to look for coverage for any medical bills or costs of treatment. In New Jersey, how you are reimbursed will depend on the type of auto insurance policy you purchased.
In New Jersey, as in every state, you can obtain a policy of no-fault insurance on your motor vehicle. If you do and are involved in a motor vehicle accident, you look to your own carrier for coverage after a motor vehicle accident. In most instances, your insurer will pay your medical expenses and then seek reimbursement from the other driver (or the other insurance company) through a legal process known as “subrogation.”
However, unlike most other jurisdictions, New Jersey provide auto owners with a choice—you can also purchase what’s considered to be a “traditional” automobile insurance policy. With that type of policy, you can still take legal action against the at-fault driver and his or her insurance provider. There are even situations where, even though you’ve opted for the no-fault coverage, you can bring a lawsuit against the wrongdoer or his/her insurance company. If you have been the victim of what the law refers to as “serious injury,” you have this right. Under the law, “serious injury” is defined as injury that includes “dismemberment, significant disfigurement or scarring, displaced fractures or the loss of a fetus.”
Contact Our Office
At the Cintron Firm, LLC, we bring more than 14 years of experience individuals who have suffered any type of personal injury, including physical injuries in a motor vehicle accident. To set up an appointment, contact our office at 201-791-1333 or 917-494-5695 or send us an e-mail.