What to do if you’re injured as a passenger in New Jersey
Brandon J. Broderick, Personal Injury Attorney at Law
When you are involved in a car accident, it can be frustrating, especially if you've been injured in the process. What happens if you were simply a passenger, you were injured and need to file a claim?
New Jersey is a no-fault state, so there are certain rules that are followed in the event of an auto accident that results in injury. This is generally true in the no-fault insurance system. We'll first briefly discuss the no-fault insurance's process before addressing how an injured passenger can file a claim for medical expenses, lost wages, and other out-of-pocket costs that stem from a car accident.
If you have questions,?getting into contact?with an experienced?car accident lawyer in New Jersey?would be in your best interest. An attorney, such as the attorneys at Brandon J. Broderick, Attorney at Law, can help you with getting answers to the questions you don't understand and can help position you for success.
Understanding No-Fault Car Insurance
When a driver is involved in a car accident, his or her insurer will cover certain types of damages, such as medical expenses and lost wages (up to certain monetary thresholds), regardless of who was at fault for the accident. This type of insurance is sometimes called "personal injury protection" or PIP coverage.
In New Jersey, no-fault auto insurance is required, including PIP protection. Due to the straightforward nature of how coverage works in no-fault states, insurance costs remain relatively lower than other states. However, there are some pros and cons to this system. One benefit is that an injured party will receive part or all of his medical bills and lost wages paid rather quickly, regardless of who was at fault.
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One disadvantage of no-fault insurance is that, unless the injured party's medical expenses exceed a specific threshold or the accident is deemed serious, they are typically not permitted to sue the at-fault driver for "non-economic" damages (such as pain and suffering).
For questions,?consult?with a New Jersey car accident lawyer who is knowledgeable about the laws and specifics of the state of New Jersey. The team at Brandon J. Broderick, Attorney At Law, has serviced New Jersey and surrounding states for decades.