Car Accident Injury Lawyer

Automobile Accident Lawyer


Auto Accident Lawyer
Each year nearly 2 million Americans are injured in automobile accidents. Not every car accident involving death, injury or property damage results in a claim or lawsuit. Not every accident should result in a claim. How do you know when to retain an attorney and make a claim and when not to make one? Read More >

New Jersey Auto Accident Insurance Claims
New Jersey is one of only two states in the nation to use the Personal Injury Protection system, or PIP, which guides the handling of auto-accident-claims in the state. Read More >

Car Accident Lawyer
Modern 3D animation techniques are becoming more and more essential to the process of car accident reconstruction for the unprecedented level of detail they enable juries to see. An attorney can choose the precise angle to recreate the scene and demonstrate effectively how and why it occurred the way that it did. Read More >

Legal Representation
If you've been injured in a car accident in New Jersey, it's important that you speak with an automobile accident attorney who has experience in dealing with insurance companies. Statistics show that retaining a skilled car accident lawyer is proven to greatly enhance one's chance of successfully making a claim. Read More >

New Jersey Auto Accident Insurance Claims
If a family member were to be unfortunately injured in a car accident, you may be entitled to make what is called a “Loss of Consortium” claim. Read More >

New Jersey Auto Accident Insurance Claims
Bad weather such as snow or rain can make conditions more hazardous to drivers. Black ice alone causes more than 250,000 crashes per year. Black ice occurs when the Air temperature is colder than the ground and there is precipitation present. It is invisible and causes unsuspecting drivers to lose control. Read More >
    Gibbsboro New Jersey Auto Accident Attorney
John Morelli New Jersey Attorney
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Automobile Injury Laywer

        Motor vehicle accidents cause the loss of time, property, health and even life. Such accidents occur because of elements including driver error, negligence, manufacturing defects and dangerous weather. No matter what the specific cause or result, a crash can turn a normal day into a prolonged struggle. Speaking with a lawyer can help you sort out your rights, your options and your future.
Helping Residents of Gibbsboro Stay Informed
Car accidents are by definition a frightening event. Within an instant, one’s life can be turned inside out thanks to another driver’s negligent actions. And then, should you get hurt, being injured can make it difficult to work and pay your bills and take care of your family. The way that auto-insurance handles mechanical repairs is easy to understand, but what happens if you need to see a doctor and require medical care?
Gibbsboro New Jersey Car Accident Lawyer
But, dealing with the results of injuries from auto accidents can be both confusing and overwhelming thanks to the litany of rules and regulations which attempt to define exactly who is responsible for what and why. Within an instant, one’s life can be greatly disrupted with a devastating injury. Finding out what to do next isn’t something most people are familiar with. That’s why, we’ve made some information available about these issues in an attempt to clear up certain aspects of dealing with automobile injuries.
Automobiles Getting Safer But Still Dangerous
Over the past 15 years there has been a clear trend in the decrease of the overall number of automobile accidents, with nearly 50,000 less accidents annually in the State of New Jersey than in the late 1990’s. Auto manufacturers have added safety features such as rearview cameras, motion sensing and self-parking cars which have lessened the burden placed on drivers while other technological advances, such as cell-phones and texting, have increased distractions.
But, still according to the most recent statistics, in 2011 nearly 65,000 people in New Jersey were reported as being injured as a result of an automobile accident. Car accidents remain the fifth most leading cause of death nationally despite many of these positive trends, and will likely remain so for some time.
The Devestating Consequences of Auto Accidents
Talking to an attorney after getting into a car accident is the best way to review all of your options available. An injury can be a life-changing event not only for the potential physical trauma but also for the mental anguish which can leave long-lasting scars. The delicate balance of one’s life can be thrown off in an instant; with deep affects to one’s career, family and personal life. How can anyone possibly quantify such things if they are either lost or changed forever?
Auto Accident Liability
Auto accidents can lead to both civil and criminal liability. After an accident occurs, both drivers are required to stop and then exchange information. If either driver fails to stop, they can be charged with a “hit and run”. In some cases, the police will charge a person with a criminal offence if they were found to be grossly negligent. In my over-30-years experience as an attorney helping injured people, this is something which is rarely done except in the most egregious cases. Police Officers are typically inclined to get traffic moving again and will not usually stop to assess the scene long enough to make a charge against one of the drivers. If after an accident you were surprised that the driver who hit you did not receive a ticket, don’t be. Nearly all cases are mainly handled on a civil level, where a negligent driver can be sued by the injured the person or their insurance company.
PIP Auto Accident Injury Attorney New Jersey
If you have been hurt, it is best to contact an experienced automobile accident attorney so that you can properly make your claim. Depending on what type of insurance options you chose, a certificate must be filed by a physician that you have an injury within 60 days of filing a lawsuit. Time is also critical in the immediate weeks and months following an accident as well. That may be when untreated injuries can become permanent. An attorney can make sure you are seeing the doctors you need and aren’t getting pushed around by the insurance company, which will likely try to deny you care.
Further Resources
That is why, when you are seeking to make an auto claim, it is important that you are well informed about the process which the State of New Jersey has laid out for all parties involved. We have made available certain resources which can hopefully begin to answer some of your questions about the current status in dealing with injuries from an automobile accident, which we recommend you take a look at here today:

What to do After being in a Car Accident
After a Car Accident, Why can it take a few days for injuries to set in?
How are New Jersey’s Auto-Claim Laws Different from Other States?
When Should I Consider a Claim for Auto Injuries?
I hit Another Driver and I Admit I am at Fault, What Should I do?
The Delicate Nature of Spinal Cord Injuries
The Emotional Toll of Being in a Car Accident
A Family Member of Mine Has Been Injured in an Auto Accident
Potential Criminal Ramifications of Car Accidents

But, it is important to speak with an attorney so that you can explore all of your options. Depending on the coverage available and the nature of each parties’ insurance, that will determine how we then proceed.
Dealing with Auto-Insurance after an Accident
For the most part, when you are injured in a car accident caused by the fault of another individual, New Jersey has it set up so that their auto-insurance will then be responsible for covering the costs of your medical care. But, this is not an open-ended commitment, as each person purchases a certain level of coverage to cover these costs before they then can be made responsible to pay.
New Jersey's Auto Claim Laws
New Jersey passed AICRA (Automobile Insurance Comprehensive Reform Act) in 1998, which has been guiding Personal Injury litigation in the state ever since. AICRA sets out to define the process of compensating those who have been injured due to another’s negligence, specifically in the case of automobile accidents.
When someone gets hurt, they can make a claim for compensation based on certain pre- defined criteria as laid out in the act. These include medical expenses, or as defined by the law, “reasonable and necessary expenses for treatment or services as provided by the policy, including medical, surgical, rehabilitative and diagnostic services and hospital expenses.”
New Jersey Personal Injury Protection (PIP) Policies
But, these claims are limited based on the insurance policies purchased by the drivers involved. When people in New Jersey purchase auto-insurance, they are able to choose the amount of PIP (Personal Injury Protection) coverage they want. The most “basic” PIP option limits coverage to $15,000 per person per accident. This coverage is severely limiting and can be used up by one visit to the Emergency Room when multiple tests are done. The law provides that the maximum coverage that can be purchased is $250,000.00 for medical bills. While this may not be enough to cover all expenses form an accident, it is strongly recommended that you purchase the maximum medical coverage.
Another pitfall in dealing with what type of coverage to purchase is the amount of the deductible. The standard policy provides for a deductible of $250.00 and a co-pay of 20% up to the first $5000.00 in bills. Yes, that means that you can be completely innocent in an accident and if your bills go over $5000.00, you must pay a $250.00 deductible and $1950, on the next $4750 in bills. What some insurance companies push, especially the online companies, is a higher deductible. You can buy a $2500 or even a $5000 deductible. Imagine limiting your coverage to $15, 00 and then buying a $5000 deductible! If you were in an accident and were seriously injured, you would have no coverage beyond $15,000 and be forced to pay the first $5000 of the bills as well.
How This Makes Insurance Companies Handle Claims
AICRA also allows an insurance company to precertify any treatment that an injured person may need arising out of an accident. In my own personal experience in dealing with these matters for the past thirty years, there has never been a time when auto-insurance carriers have challenged so many claims. Even in the case of clear-cut incidents, where one driver is clearly at fault, an attorney is still necessary to ensure that you receive proper medical care and that the bills are paid.
How an Attorney Can Help
Gibbsboro New Jersey Auto Accident AttorneyPersonal injury lawyers can help ensure that their clients receive the maximum amount of damages recoverable by law. Some of the items for which injured parties are legally entitled to compensation include past and future lost wages; past and future medical expenses; damages for both physical and emotional pain and suffering, again both past and present; and damages for disfigurement.
Sometimes, a close family member of the injured person, such as his or her spouse, may also be entitled to damages, often referred to "loss of consortium damages," which are intended to compensate the loved one for the loss of the injured party's services and companionship.
Contact an Attorney
John Morelli has been fighting for his clients since 1981, working within the system to ensure that they receive the best possible representation available. If you or a loved one have been involved in an auto accident in Gibbsboro and are looking to speak to an attorney, call 856-616-1300. In neighboring Voorhees Township, our office is less than 10 minutes away from the majority of Gibbsboro via Burnt Mill and Kirkwood Road. Dealing with injuries as a result of a car accident can be a difficult process. Even if you just have a question or concern, call today to see if an attorney is right for you.



Car Accident Lawyer Gibbsboro New JerseyThe Law Offices of John Morelli
203 West Somerdale Road
Voorhees, New Jersey 08043
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