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 >
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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 Sicklerville 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?
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.
The Definition of a "Bad Day"
There are nearly 11 million car accidents annually in the United States, each one a potential forebearer of suffering and hardship. Getting into an auto accident can be a life-changing event, with injuries causing damage to one’s ability to live a normal life. Besides the obvious cuts, bruises and broken bones, accidents have a devastating effect on the spinal column. Herniated discs and whiplash can be common as a result of a hard impact, with soft-tissue and pinched nerve injuries resulting in further complications.
PIP Auto Accident Injury Attorney New Jersey
The Personal Injury protection system funnels medical costs through automobile insurance, depending on the coverage purchased by the negligent driver. After getting into an automobile accident, unlike in other states, auto-insurance pays for the victim’s medical care out of PIP. Because of this, many auto-insurance companies in New Jersey make it more difficult to successfully pursue a claim due to the amount of control they exhibit over the process. Obtaining experienced legal representation is essential to getting the care needed and making sure you don’t get pushed around by auto-insurance companies attempting to deny your claim for medical procedures and doctor visits.
The Number One Cause of Car Accidents
About once every ten seconds, going by the National Highway Institute’s statistics, somebody somewhere is involved in yet another automobile accident. The number one, most common cause of car accidents, though, are from what the State of New Jersey specifically defines as “negligent” drivers. But, how does one figure out what constitutes “negligent” driving? Well, as long as a person operated their automobile reasonably, following all relevant traffic laws, the law considers them to be acting in a “non-negligent” manner. When the driver of a car fails to stop or yield or should they be under the influence of alcohol or drugs, they are considered to be the “negligent” party. If their negligent actions are determined to have directly resulted in the injury of another person, state law defines them as the “actual” cause of events and thus responsible for those injuries. Even in seemingly clear cut instances of rear-end-collisions, determining liability and fault can still be a contentious task for even the most experienced law firm thanks to strict protocols regarding proof of causation.
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.
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.
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.
Why New Jersey's Auto Insurance is So Expensive
According to the latest rankings, New Jersey is currently the twelfth most expensive state in which to purchase automobile insurance. But, why would the cost what is supposed to be the same product differ from state-to-state? You would think that prices would vary little between states, but that isn’t necessarily the case. The high cost of auto-premiums in New Jersey is usually attributed to the fact that anyone who obtains auto-insurance (which is supposed to be ALL drivers) is required by state law to get PIP (Personal Injury Protection) coverage with their insurance plan. For people who were injured or disabled in a car accident, PIP was instituted to cover their medical bills. When you’re hurt, the money to pay medical expenses comes out of your own PIP policy. So, if you got into an accident, were injured and needed care, up $250,000 of your bills will be paid out of your PIP policy through automobile-insurance.
How This Makes Insurance Companies Handle Claims
Despite how PIP was set up, it’s common knowledge amongst those in the industry that insurance companies do not handle their claims in the same way that health insurance providers do. The differences can be startling and confusing, as auto-insurance companies require preapproval for all medical services, which can slow the process of receiving care and add a burden to doctors and patients alike. But, that wouldn’t be the biggest cause for concern, were it not for the fact that precertification is often denied by auto-insurance companies for no medically sound reason. Not only that, it’s not uncommon for auto-insurance companies to not pay their bills and leave doctors high and dry. This is why a good number of medical providers are reluctant to help those injured in auto accidents, as they are apprehensive about dealing with the auto-insurance companies.
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 Sicklerville and are looking to speak to an attorney, call 856-616-1300 Our office is located less than 20 minutes away from Sicklerville via the Atlantic City Expressway. 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 Sicklerville New JerseyThe Law Offices of John Morelli
203 West Somerdale Road
Voorhees, New Jersey 08043

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