Drivers take to the road every day not expecting to have an accident, yet thousands of individuals are injured or killed in automobile accidents in New Jersey each year. These accidents often result in injuries ranging from minor scrapes and bruises to whiplash, broken bones, loss of limbs, and traumatic brain injuries. The Cassidy Law Firm LLC works with automobile accident victims to obtain meaningful compensation for their injuries. Many individuals are unaware of the full value of their claims and may be persuaded by insurance companies to accept the first settlement offer. However, it is important to remember that insurers aim to resolve cases quickly and for as little money as possible. Understanding New Jersey No-Fault LawNew Jersey’s no-fault system for automobile accident claims distinguishes between claims for medical treatment and claims for non-economic damages, such as pain and suffering. Personal Injury Protection (PIP): Coverage for medical treatment is provided regardless of fault and claims are typically made against one’s own insurance company. Pain and Suffering Claims: These require proof of the other driver’s negligence and are generally filed against the other driver’s insurance company. However, pain and suffering claims may be limited by the verbal threshold standard.
The Verbal Threshold vs. Zero ThresholdNew Jersey residents 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 selected threshold determines the ability to sue for non-economic losses such as pain and suffering. Verbal Threshold: Lawsuits for pain and suffering are permitted only if injuries fall into one of six categories: (1) death; (2) dismemberment; (3) significant disfigurement or scarring; (4) displaced fractures; (5) loss of a fetus; or (6) permanent injury within a reasonable degree of medical probability. Common injuries like neck and back sprains and strains typically do not qualify unless deemed “permanent injuries.” Zero Threshold: Individuals can sue for non-economic damages regardless of the injury type.
There are numerous exceptions to the verbal threshold. Contact The Cassidy Law Firm LLC immediately to determine the claims you can pursue. How The Cassidy Law Firm LLC Can HelpOur experienced personal injury attorneys will work closely with you to understand your rights under New Jersey’s automobile insurance laws and ensure you receive the necessary medical care. We have extensive knowledge of what it takes to win an automobile accident case in New Jersey, including: If liability is established, we will aggressively fight for your right to receive the compensation you deserve. Time Limit to File a Car Accident Claim in NJTiming is critical—the sooner you reach out, the better the chances of preserving evidence and locating witnesses. Additionally, New Jersey’s statute of limitations generally requires automobile accident claims to be filed within two years of the accident. Failure to file within this timeframe may bar you from pursuing your claims. There are circumstances where the statute of limitations can be tolled, allowing additional time to file. Call us to determine if you can still pursue your claims. Contact Our Shrewsbury Car Accident LawyersThe Cassidy Law Firm LLC is committed to providing compassionate and skilled representation for automobile accident victims. Call us today to schedule a consultation and take the first step toward obtaining the compensation you deserve. Cassidy Law Firm, LLC, is based in Shrewsbury and proudly serves clients across Monmouth County and surrounding areas, including Ocean County, Middlesex County, Mercer County, and Somerset County. |