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 >
    Glassboro 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 Glassboro Stay Informed
The last thing on anyone’s mind when driving a car is what happens next if you should suddenly get in an accident. Within the span of a second, your life could be turned upside down thanks to a missed stop sign, faulty lane change or a texting driver. An injury from an auto accident can have burdensome consequences, making it difficult to work or take care of your family. But, every single automobile is driven by human beings who are prone to mistakes. As long as there are people driving cars, accidents will continue to happen.
Dealing with the consequences of automobile accidents can be overwhelming, especially if you are injured. New Jersey has specific guidelines which dictate how we determine fault in an accident and then what implications that has for receiving medical care. Finding out exactly what to do next once you’ve been hurt in a car accident isn’t something most people are familiar with. That’s why we’ve made some information available to help clear up certain aspects of the issues related to automobile injuries and explain what exactly an attorney can do to assist you.
Why NJ Insurance Is So Expensive
As of 2013, the average cost of annual insurance premiums for a driver in New Jersey are $1,697, making it the twelfth most expensive state in the nation the buy auto-insurance. But, why is auto-insurance in New Jersey more expensive than in neighboring Delaware or Pennsylvania if, ostensibly, you’re purchasing the same product? One of the reasons for the high cost is because all New Jersey auto insurance customers are required by law to purchase PIP (Personal Injury Protection) as part of their insurance policy. PIP was set up to pay the medical bills of people who were injured or disabled as a result of an auto accident. So, as an example, if you were driving and you happened to strike another car and the other driver needed to go to the hospital, up to $250,000 will be paid out of their own PIP policy for medical expenses by auto-insurance.
Further Reading
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.
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 an Attorney Can Help
Personal 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.
Potential Liability for Car Accidents
When you get into an automobile accident, there can be legal ramifications which can lead to both civil and criminal liability. After any car accident that occurs, both drivers are subsequently required by New Jersey state law to stop and exchange auto-insurance information. If you hit someone and you know it was your fault, you must stop and give your information to the other driver and the police, if they arrive. The primary reason this is required is so that the insurance companies can determine fault, if there was a driver who was at-fault. If either driver should fail to do that, they can then be found guilty of a “hit and run”. It is possible that a police officer who arrived at the scene could issue a ticket and charge a grossly negligent driver with a criminal offence, such as assault with a deadly weapon. But, from my experience as an attorney helping people through countless car accidents, that is rarely done for even the most egregious cases. For a police officer who’s mainly inclined to get traffic moving again and get back to their shift, they do not usually stop long enough to assess the scene to then make a charge against one of the drivers. If you were hit by a driver who ran a red light or blew a stop sign, don’t be surprised if they failed to receive a ticket for their actions. This is why nearly all cases are handled mainly on a civil level, where the negligent driver is sued by the injured the person or their insurance company.
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 Glassboro and are looking to speak to an attorney, call 856-616-1300. 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 Glassboro New JerseyThe Law Offices of John Morelli
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