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 >
    Moorestown 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 Moorestown Stay Informed
For anyone who’s ever driven a car, the last thing you’re thinking about when you’re going about your day is what happens if you get suddenly get hurt. Who’ll pay your bills? What happens if you can’t work? Who will take care of your family if you’re unable to? People go about their lives, driving from here to there, largely unaware of the potential consequences these machines can have. But all cars are driven by fallible human beings who are prone to mistakes. As dismal as it may sound, as long as there are automobiles on the road, accidents will happen and people will continue to get hurt.
Moorestown New Jersey Car Accident Lawyer
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.
The Pain and Suffering Caused by Auto Accidents
Ever since Henry Ford revolutionized industry and brought automobiles to the masses, they have been a boom to mankind’s fortunes. But, this great equalizer has not come without its problems; there are nearly 11 million car accidents in the country a year. Over 65,000 in New Jersey alone were reported as being injured in a car accident. For all the advances the automobile has made, it is still a major source of suffering and hardships in the modern world. Nothing else which occurs this frequently can leave its victim’s lives utterly changed in a near instant.
PIP Auto Accident Injury Attorney Moorestown New Jersey
Fortunately, the State of New Jersey has laws in place which protect automobile drivers’ rights when they are involved in a collision. An attorney can protect their clients and make sure that they are getting appropriate medical care. If you were involved in a car accident today, where can you go for treatment? The emergency room only handles immediate, life-threatening injuries and car accidents are routinely given X-rays for broken bones and then sent home. Your family doctor, due to the ensuing insurance issues, may not treat auto accident injuries at all. Where exactly does one go and who do you see to treat your injuries? These are all questions in which a skilled personal injury lawyer can help guide their clients to the best possible avenue, depending on their particular situation.
Why NJ's Auto 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.
But, reality is never as simple as it sounds, mainly because auto insurance companies do not handle their claims with the same punctuality that health insurance providers do. Auto-insurance companies will require preapproval for all medical services and do not allow for electronic medical billing, which can add a significant burden to doctors and patients alike. Precertification is frequently denied by insurance companies for no seemingly medically sound reason. It’s not uncommon for auto insurance companies to simply outright refuse to pay their bills or force doctors and physical therapists to retain legal representation just to get their invoices paid. This is what has lead many medical providers to be overly reticent to work with victims of auto accident, as they are wary of dealing with the PIP payout structure from auto-insurance providers.
That’s why it’s best to have an experienced attorney assist you in your dealings with the insurance companies. An attorney can help make sure you don’t get held responsible for exorbitant medical bills or swept under the rug by huge insurance companies.
More Information
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.
Automobiles Getting Safer But Still Dangerous
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.
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.
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
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.
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 Moorestown and are looking to speak to an attorney, call 856-616-1300. Coming from the Moorestown Mall, our office is located less than 15 minutes away via I-295 South. 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.

Moorestown New Jersey Car Accident LawyerThe Law Offices of John Morelli
203 West Somerdale Road
Voorhees, New Jersey 08043

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