If you were seriously hurt in a Cherry Hill car accident and need a lawyer, the Wieand Law Firm can help. We have successfully litigated a wide variety of vehicle accident cases and handle all types of injury claims resulting from serious car accidents, motorcycle crashes, truck accidents and cases where a pedestrian is hit by a car.
Hire a Personal Injury Law Firm with Experience
After years of handling car accident injury claims there isn’t much we haven’t seen. Whether you were injured by a drunk driver, distracted driver or in a multiple car pile up, chances are we’ve handled a similar case. Usually, we can advise you of your legal rights in the first meeting.
Upon retention as counsel, the Wieand Law Firm will fight hard for your rights. We don’t back down from auto insurance companies that take take the typical claims approach of denying liability, minimalizing your injuries and delaying payment. If an insurance company doesn’t play fair, we will promptly file a lawsuit to get justice for you in a timely manner.
To speak with a car accident lawyer about your auto accident, call the Wieand Law Firm at 1(800)481-5206. The consultation is always free and we never charge a fee unless you recover money.
Why Your Auto Insurance Matters if You’re Injured in a NJ Car Accident?
New Jersey residents are bound by their choice of auto insurance when injured in an automobile accident. Generally speaking, a New Jersey resident can elect to be either “zero” or “no limitation on lawsuit” threshold, or in the alternative, choose “verbal threshold.” The threshold that applies to you may have an impact on your ability to collect damages for certain losses.The named insured’s election of auto insurance also binds immediate family members who reside in the same household.
No Limitation on Lawsuit
The Wieand Law Firm recommends that all New Jersey resident choose the no limitation on lawsuit option when buying car insurance. Insureds who are bound by the “zero” or “no limitation on lawsuit” threshold are not limited in suing for noneconomic damages if injured in automobile accident.
An election of “verbal threshold” insurance will offer cheaper annual premiums, but comes with a stiff penalty. If you are bound by “verbal threshold” auto insurance, you will be barred from suing for noneconomic damages, like pain and suffering, in certain instances. This lawsuit limitation still applies if you are struck by a car as a pedestrian. However, if you are injured in an car wreck and are subject to the “lawsuit limitation” you may still be able to recover damages for pain and suffering under certain circumstances. To better understand your rights after an accident, you should consult with a car accident lawyer as soon as possible.
Out of state residents who are injured in New Jersey vehicle accidents will be bound by the verbal threshold if they are subject to the “deemer” statute by virtue of whether their insurance carrier does business in New Jersey.
Exceptions to “Verbal Threshold” Insurance
There are several exceptions to the “verbal threshold” lawsuit limitation, including accidents that result in:
- death or dismemberment
- displaced fractures
- significant disfigurement or scarring
- loss of a fetus
- permanent injury that has not healed to function normally and will not heal to function normally with medical treatment. In some cases soft-tissue injuries and simple fractures may satisfy this test.
If you suffer a serious injury that meets one of these exceptions, you will be permitted to make a claim for non-economic damages despite your threshold election.
If this all sounds complicated, it is! New Jersey automobile insurance law is riddled with complicated language and illogical “exceptions to the rule,” not all of which is covered by this short summary. You should always seek experienced counsel as to your rights after an accident and how New Jersey auto law applies to your injury claim.
Uninsured Motorist (UM) / Underinsured Motorist (UIM) Coverage
Auto insurance companies in New Jersey are required to offer Uninsured Motorist (UM) coverage to protect people who have insurance against losses from drivers who do not. This coverage will also protect insureds from “hit-and-run” accidents, “phantom” vehicles and drivers who are insured by “special policies” that do not require liability insurance. Uninsured Motorist (UM) coverage is usually integrated with Underinsured Motorist (UIM) insurance. UIM insurance is meant to provide an extra layer of insurance protection for when the at fault vehicle’s liability policy is insufficient to cover your damages.
UIM insurance in New Jersey offers lesser protection than other states. In New Jersey, UIM insurance is a complete set off with liability coverage. For example, if you have $100,000 in UIM insurance and the defendant had a $50,000 liability policy, you would be entitled to $50,000 in UIM coverage (assuming circumstances serious enough warrant $100,000 in coverage).
*Disclosure: The Wieand Law Firm is based in Philadelphia, PA. We are proud to serve automobile accident victims in Cherry Hill, NJ. This website is for information purposes only. It does not constitute legal advice and may not be current.