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 >
    Pennsauken New Jersey Auto Accident Attorney
John Morelli New Jersey Attorney
...Continue Reading
Latest From John Morelli's Legal Blog




Auto Injury Law Firm Car Accident Injury Law Firm Injury Lawyer
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 Pennsauken 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.
Pennsauken 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.
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
If you are the driver of a motor vehicle in the state of New Jersey, you might remember when you went to go purchase auto insurance the various options presented to you. 90% of all drivers choose the limited threshold or verbal threshold option when they get auto insurance because it is usually cheaper than the zero-threshold option. But, in the event of an auto accident where a person has become injured, those with the verbal threshold coverage can have their choices greatly limited.
Auto Accident Injury Attorney Pennsauken New Jersey
Not everyone is aware that they have options when they go to purchase automobile insurance coverage. But, those choices dictate the way that medical care is available and whether you will be able to even make a claim if you are injured. If you have selected the verbal threshold option, you are limited to make a medical claim to the following criteria based on one of these pre-defined injuries: 1)death; 2) dismemberment (you lose an arm or a leg); 3) a displaced fracture (the bone must actually be moved out of place); 4) the loss of a fetus; 5) significant disfigurement or scarring; or 6) a permanent injury within a reasonable degree of medical probability. In order to prove that you qualify, a certificate must be filed by a physician that you have an injury that fits into one of these categories within 60 days of filing the lawsuit.
Liability for Auto Accidents
The legal consequences of an accident can lead to both civil and criminal liability. After an accident, both drivers are required by law to stop and exchange insurance information. This is done so that the insurance companies can determine fault. If a driver fails to do this, they can be charged with a “hit and run”. Sometimes a police officer will charge a grossly negligent driver with a criminal offence, such as assault with a deadly weapon. In my experience as an attorney helping people injured in countless accidents, this is rarely done even in the most egregious cases. Police Officers are inclined to get traffic moving again will not usually stop to assess the scene long enough to then make a charge against one of the drivers. If after getting hit, you were surprised that the driver, who ran a red light, failed to get a ticket, don’t be. 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.
More Information
Car Accident Attorney Pennsauken New JerseyThat 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.
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 Pennsauken and are looking to speak to an attorney, call 856-616-1300. Our office is located about 15 minutes away from Pennsauken via the Marlton Pike. 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.



Pennsauken NJ Automobile Accident LawyerThe Law Offices of John Morelli
203 West Somerdale Road
Voorhees, New Jersey 08043
.


Serving these areas and all of South Jersey
Albion
Atco
Atlantic City
Audubon
Barrington
Bellmawr
Berlin
Blackwood
Brooklawn
Burlington Township
Camden
Cedar Brook
Cherry Hill
Chesilhurst
Cinnaminson
Clementon
Collingswood
Delair
Delran
Deptford
Evesham
Franklin Township
Gibbsboro
Glassboro
Glendora
Gloucester City
Gloucester Township
Haddon Heights
Haddon Township
Haddonfield
Hammonton
Harrison Township
Laurel Springs
Lawnside
Lindenwold
Magnolia
Mantua Township
Maple Shade
Medford
Marlton
Merchantville
Monroe Township
Moorestown
Mount Ephraim
Mount Holly
Mount Laurel
Oaklyn
Pennsauken
Pine Hill
Pine Valley
Pitman
Riverside
Runnemede
Sewell
Shamong
Sicklerville
Somerdale
Stratford
Tabernacle
Tavistock
Turnersville
Voorhees
Washington Township
Waterford
West Berlin
Williamstown
Willingboro
Winslow
Woodbury
Woodlynne
Camden County
Atlantic County
Burlington County
Gloucester County


Please call 856-616-1300 to Contact Us Today                                                   Site MapPrivacy PolicyContactDirections




© The Law Offices of John Morelli