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

        According to the National Highway Traffic Safety Administration, every 10 seconds someone in the United States is involved in a car accident.

Every year millions of people are injured in motor vehicle accidents. Motor vehicle accidents are the leading cause of injury in the United States for people ages 1-34. Many vehicle manufacturers have made safety improvements to their vehicles including air bags, rollover bars, reinforced frames, better tires, etc. Additionally, many states have passed tougher drunk driving laws. As a result, many lives may have been spared. However, with an ever increasing number of vehicles on the road, motor vehicle accidents still occur with alarming frequency.

The System for Auto Claims in New Jersey

New Jersey is currently the twelfth most expensive state in the nation the buy auto-insurance, as of 2013 the average cost of annual premiums for a driver are $1,697. One of the reasons for this high cost is because car insurance customers are required by law to purchase PIP (Personal Injury Protection) as part of their insurance policy. PIP pays the medical bills of those who have been injured in auto accidents. So, if you’re driving and you strike another car and injure the other driver, up to $250,000 of their medical expenses will be paid for out of their own PIP policy by auto-insurance.

But, auto insurance companies do not handle their claims the same way as health insurance providers do. Auto-insurance companies require preapproval for all medical services and do not allow for electronic medical billing. Precertification is frequently denied by insurance companies for no good reason Often auto insurance companies will simply refuse to pay their bills or force medical provider’s to retain legal representation just to get their invoices paid. This frequently leads many doctors and medical services to be hesitant to work with auto accident victims, as they are wary of dealing with the auto-insurance providers.

That’s why it’s best to have someone who is experienced in dealing with the insurance companies, such as an attorney, to help you with your auto claim. An attorney can help make sure you aren’t responsible for exorbitant medical bills and that you don’t get swept under the rug by huge insurance companies.

The Verbal Threshold

When drivers in New Jersey purchase Auto-Insurance, they are required to choose one of two different options; the zero-threshold or verbal-threshold also known as the limited right to sue. What you choose greatly affects your ability to pursue a personal injury claim following an accident. Insurance companies will tell their customers that the verbal-threshold option is significantly cheaper, which pushes many to choose this option. But, on average, when all costs are taken into account, a verbal-threshold plan is only about 15% less than a zero-threshold plan.

A verbal threshold plan limits your right to sue to one of six qualifying types of injuries. They are: Death, Dismemberment, Loss of a Fetus, a Displaced Fracture, Significant Scarring, or a “Permanent Injury” (a body part or organ that will not heal or function normally). If an injury does not qualify, then a claim cannot be made for it.

Many times, insurance companies in New Jersey will automatically sign you up for the Verbal Threshold if no choice is made. We strongly recommend that our clients choose the “zero-threshold” option as this will give them more options should you be involved in a car accident.

Adrenalin Can Mask Injuries from an Accident

Auto Insurance Claim NJ AttorneyWhen you have just been involved in a car accident, it can be difficult to determine if you have been injured at first. Other than those with the obvious cuts, bruises or even broken bones, many people come out of the event feeling uneasy, but generally OK initially. That is typically due to the fact that the areas most affected in an auto collision tend to be along the neck and the spine. And the delicate nature of spinal cord injuries means that the pain caused by an underlying problem might not become evident until days or possibly even weeks later. In addition, when you are involved in an accident, your adrenal glands, excrete a substance known as adrenalin. Adrenalin may mask the immediate pain that you feel from an injury. It is not until a person goes home and a few hours later, they begin to feel the effects of the crash.

Auto Accident's Impact on the Spine

The spinal column is lined with discs which absorb impacts to the back like a cushion, and in each of these discs they are filled with fluids which act as a type of shock absorber. What usually causes this delayed onset of pain in the back is following a severe traumatic event like a car accident, is that the discs may tear and leak fluid. As the fluid leaves the disc, it bulges out, or becomes herniated, and when herniated it can push up against the nerves which run through the spinal column.
New Jersey Auto Claims Attorney
That’s why, it may take some time for the injury to “catch up” and make itself evident as the back adjusts to the trauma. It’s always recommended that you visit the hospital immediately following a collision, to make sure you are checked out for other possible injuries. In many cases, if you are experiencing back pain right away, the most they will do in the emergency room is to take x-ray’s to ensure there aren’t any broken bones. But, other than that, the patient is usually sent on their way, and told to visit their family doctor if they have any lingering problems.

Make Sure You Follow Up With Care

From there, when visiting family doctors experiences vary, but New Jersey’s confusing set of rules on the subject only complicate the matter further. If you have been in an auto accident, determined that you have been injured, and now want to go seek care for those injuries, how exactly does one go about that? Many family doctors do not want to see patients who have been in automobile accidents and deal with the complicated nature of insurance in order to get paid for their services.

Further Resources

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

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.

Talk to an Attorney

At the Law Offices of John Morelli we have extensive experience in all types of motor vehicle accidents. We promptly and thoroughly investigate each case to assess liability and determine fault. We work with experienced investigators to obtain photographs, witness statements and other necessary investigation. We understand the intricacies of New Jersey motor vehicle law as well as Underinsurance and Uninsured Motorist Coverage issues.
Auto Claims New Jersey Lawyer
If you or a loved one need legal assistance, contact the Law Offices of John Morelli at 856-616-1300 immediately.


Voorhees NJ Auto Claims LawyerThe Law Offices of John Morelli
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