Monmouth County Car Accident Law Firm

Drivers take to the road every day not expecting to have an accident, and yet thousands of individuals are injured or killed in automobile accidents in New Jersey each year. These accidents often cause a variety of injuries ranging from minor scrapes, cuts, and bruises to whiplash, broken bones, loss of limbs, and even traumatic brain injuries. If you have been injured in a car accident, you may be entitled to a financial award for pain, suffering, medical bills, property damage, lost wages, and emotional distress.

The Cassidy Law Firm works with automobile accident victims to obtain meaningful compensation for their injuries. We know that individuals are often unaware of the full value of their claims and can be persuaded by an insurance company to accept the first offer made. It should be remembered, however, that the goal of insurers is to settle a case quickly and for as little money as possible.

If you are injured in an automobile accident in New Jersey, you should speak to our experienced personal injury attorneys as soon as possible. We offer free consultations and will fight for your right to be justly compensated.

New Jersey No-Fault Law

New Jersey has a no-fault system for automobile accident claims which distinguishes between claims for medical treatment and claims for non-economic damages such as pain and suffering. Coverage for medical treatment is known as personal injury protection or PIP. Under PIP, coverage for medical treatment is provided regardless of fault, and claims are generally made against one’s own insurance company. In contrast, pain and suffering claims must demonstrate the other driver’s negligence, and are generally asserted against that driver’s insurance company. In addition, claims for pain and suffering may be limited by the verbal threshold standard.

The Verbal Threshold

New Jersey residents who are involved in an automobile accident will be bound by either the verbal threshold (limitation on lawsuit threshold) or the zero threshold (no-limitation on lawsuit threshold). The threshold option selected will determine the extent to which a covered person can sue for non-economic losses such as pain and suffering. In essence, policyholders are allowed to limit their ability to sue for pain and suffering in exchange for a lower insurance premium. Under the verbal threshold, lawsuits for pain and suffering are only permitted if the injuries fall into one of the following six categories: (1) death; (2) dismemberment; (3) significant disfigurement or significant scarring; (4) displaced fractures; (5) loss of a fetus; or (6) permanent injury within a reasonable degree of medical probability. Therefore, accident victims subject to the verbal threshold will not be able to sue for pain and suffering for many common injuries from automobile accidents, such as neck and back sprains and strains – unless they are considered “permanent injuries.” In contrast, persons subject to the zero threshold can sue for non-economic damages regardless of the type of injury.

Importantly, there are many exceptions to the verbal threshold. It is important that you contact us right away to determine what claims you can pursue.

Cassidy Law Firm Shrewsbury

Our experienced personal injury attorneys will work closely with you to help you understand your rights under the state's automobile insurance laws and ensure that you receive the necessary medical care. We have in-depth knowledge of what it takes to win an automobile accident case in New Jersey. We will conduct thorough due diligence by preserving all the evidence, interviewing witnesses, collecting the necessary medical records, and helping you document your injuries. If we determine there is a liability, we will aggressively fight for your right to receive the compensation you deserve.

If you have been injured in an automobile accident in New Jersey, you need a compassionate and highly skilled attorney on your side while you recover. Call The Cassidy Law Firm for a free evaluation of your case. Do not delay. The sooner you contact us, the better the chances of finding witnesses who can remember events important to your claim. In addition, automobile accident claims must normally be brought within two years of the accident because of the statute of limitations. If you do not file your lawsuit within that timeframe, you may be forever barred from pursuing your claims. There are circumstances, however, when the statute of limitations may be “tolled,” allowing you additional time to file your complaint. Call us to find out if you can pursue your claims.

We are committed to providing you with diligent and professional representation and obtaining the compensation you deserve.

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750 Broad Street, Suite 3, Shrewsbury, NJ 07702
| Phone: (732) 747-3999

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