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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        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.

Auto Accident Attorney Voorhees New JerseyFor over 30 years, as a fixture in the community, The Law Offices of John Morelli has been serving the residents of Voorhees Township. Located near the Voorhees Town Center off of Burnt Mill Road, we are one of South Jersey’s leading personal injury law firms.

Mr.Morelli was appointed Voorhees Municipal Court Judge, serving from 1997-2002, and has been active in the community, coaching roller hockey, baseball, and soccer in the VSA (Voorhees Soccer Association). Personally, Mr. Morelli has raised his family and resided in the township since 1987.

Despite the rapid deterioration of the rights of injured automobile drivers in the state at the hands of insurance companies, Mr. Morelli has continued fighting for his clients to help them get the care that is needed. Sometimes, an experienced attorney is all that stands in the way between you and the auto insurance carriers, who aggressively deny legitimate injury claims every day.

Car Accident Injury Lawyer Voorhees New Jersey
New Jersey Car Accident Voorhees LawyerWhen you have been in an auto accident, you may have a sense of who caused it. Issues of fault, however, can be complicated by who acted when and which laws governed the situation. If the other driver was negligent, you may have to prove that the driver breached a duty of care to you and that the breach caused your damages. The assistance of an attorney can be immensely valuable at this time, whether you are battling an insurance company, seeking compensation for your injuries or defending yourself in court.

When a driver refuses or is unable to carry proper motor vehicle insurance, that driver puts more than just him- or herself at risk. If the driver injures another person, the insurance will be inadequate to cover the damages. Injured parties, however, may be covered by their own insurance policies; uninsured and underinsured motorist coverage protects accident victims in these cases. If you have been involved in an accident with an uninsured or underinsured driver, it is important to contact an attorney at the Law Offices of John Morelli to create a plan of action.


Uninsured Motorists

Even if your state requires all drivers to carry auto insurance, the driver who injured you or your passenger may not have had insurance. Or you may have been hurt in a hit-and-run accident, making it impossible to identify the driver at all.

This is when uninsured motorist coverage will step in to protect your interests. Many states require auto insurance companies to offer uninsured motorist coverage. If your insurance company offers uninsured motorist coverage, and you chose to include it in your policy, then your insurance company will act as if it were the at-fault driver’s insurance company in compensating you.

When you file an uninsured motorist claim, your insurance company’s interests can be adverse to your interests. Consulting with an attorney before filing a claim is wise.


Underinsured Motorists

When the at-fault driver is underinsured, this means that the driver has purchased an auto insurance policy that does not provide enough coverage for your damages. If you have underinsured motorist coverage, you may be able to collect, from your own insurance company, the amount of your damages that exceeds the at-fault driver’s insurance coverage.


Collecting Insurance Benefits

To recover benefits under an uninsured or underinsured motorist policy, the victim typically will need to show that the other motorist was at fault. The victim will also need to prove that his or her bodily injuries were significant. To collect benefits under an underinsured motorist policy, the victim will need to collect as much as possible from the at-fault driver’s insurance company first.


Stacking Insurance Coverage

In some states and under some insurance policies, an injured party may “stack” various policies to reach a satisfactory level of compensation. By stacking coverage from more than one auto insurance policy — or coverage for more than one car on a single policy — the injured party increases monetary recovery. Stackable coverage is not allowed in every state; in some cases, the insured must choose to have stackable coverage upon purchasing the policy.


How No-Fault Insurance Works

No-fault insurance is a system in which auto insurance pays benefits to the insured driver in case of an accident. The insurance compensates the insured driver for monetary losses, no matter who was at fault. This is contrary to systems in which the at-fault driver’s insurance company must pay the bulk of the compensation after an investigation and determination of fault by the insurance companies or the courts.

The system is designed to streamline the process of payments to injured people and to lower the burden on the courts. Under the no-fault insurance system, it can be more difficult to sue an at-fault driver for damages; the insured typically must have been quite seriously injured in order to take such legal action. On the other hand, monetary recovery for the insured is more certain under no-fault insurance because the compensation is immediately available through the insurance policy of the injured party. No-fault insurance policies often have a cap on the compensation they will pay.

The no-fault insurance system prevents injured parties from receiving a windfall due to the accident, but it also ensures compensation no matter who caused the accident. In a no-fault state, the other driver will also receive compensation from his or her insurance company if that driver sustained certain economic losses. The specifics of no-fault insurance laws vary widely by state.


Personal Injury Protection (PIP)

Auto Accident Injury Attorney Voorhees New Jersey If you have a no-fault insurance policy, it is probably called a personal injury protection (PIP) package. PIP insurance pays for the medical expenses of the insured driver and the passengers who were injured in an auto accident. PIP insurance typically covers things like medical bills, wage loss and funeral expenses, but not pain and suffering or vehicle damage. This varies by state and particular insurance policy. The PIP packages have limits on what they will pay.


Contact An Attorney

Uninsured and underinsured motorist coverage protects accident victims when they are most vulnerable. Not every policy has such coverage, however, and the victim’s approach to the situation can change the level of compensation he or she receives. Indeed, some rules do not require the victim’s insurance company to pay the victim if the victim settles prematurely with the at-fault motorist’s insurance company. This is why it is so important to work with an experienced attorney from the Law Offices of John Morelli.

How you handle the situation after a motor vehicle accident can make a significant difference in your monetary recovery. Dealing with insurance companies can be especially tricky. In addition, the no-fault and fault insurance systems vary widely by state. Speaking with an attorney from the Law Offices of John Morelli will help to clear up the confusion these systems can cause.








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