nj car accident attorney no fault

It’s no wonder that the aftermath of being involved in a car accident in New Jersey can be overwhelming and confusing. To make matters worse, the state's auto insurance laws are complex, making you feel like deciphering a foreign language. 

If you've ever been confused by terms like "verbal threshold" or "benefit categories," you're not alone. It is always best to consult a New Jersey car accident attorney to understand New Jersey's no-fault auto insurance laws and get justice and compensation for your injuries or losses. 

What is No-Fault Auto Insurance?

In New Jersey, no-fault auto insurance means that after a car accident, your own insurance company pays for your medical expenses and other out-of-pocket losses. The insurance company shall pay it regardless of who was at fault for the accident. This system simplifies and expedites the process of getting your rightful compensation.

How Does No-Fault Insurance Work?

No-fault insurance covers your medical expenses, lost wages, and certain other losses up to the limits of your policy. 

This type of coverage is also called Personal Injury Protection (PIP). PIP benefits are available to you, your passengers, and even pedestrians injured in the accident.

The Purpose of No-Fault Insurance

The main goal of New Jersey's no-fault system is to reduce the number of lawsuits resulting from car accidents. Instead of waiting for a lengthy court process to determine fault, you can quickly receive payment for your damages and injuries. 

When Can You Sue the At-Fault Driver?

While no-fault insurance offers reasonable coverage, there are situations where you may need to step outside this system and file a lawsuit against the at-fault driver. 

It is a good idea to engage an experienced car accident lawyer NJ to sue for pain and suffering and other non-economic damages if your injuries or losses meet certain criteria. These criteria are known as the "verbal threshold" or "limitation on lawsuit threshold."

Verbal Threshold 

To step outside the no-fault system and sue the at-fault driver, your injuries must be severe. 

Examples of such injuries include:

  • Significant disfigurement or scarring
  • Dismemberment
  • Loss of a fetus
  • Permanent injury
  • Death (of a loved one)

If your situation meets any of these criteria, you can file a lawsuit to seek compensation for pain and suffering, emotional distress, and other non-economic damages.

How a New Jersey Car Accident Attorney Can Help

Dealing with the complexities of no-fault insurance laws can be daunting, especially when you're recovering from an accident. That's where an experienced NJ car accident attorney can help you. 

The best car accident attorney NJ can help you understand your rights, evaluate whether your injuries meet the threshold for a lawsuit, and represent you in negotiations with insurance companies or in court.

Consult the Best Car Accident Lawyer NJ

As the best car accident lawyer in NJ, we have the experience and dedication to ensure you receive the compensation you deserve. Whether you're dealing with the immediate aftermath of an accident or facing challenges with your insurance company, the skilled car accident lawyers at Sekas Law Group have your back. 

We offer personalized and compassionate legal services tailored to your unique situation. From explaining your options under the no-fault system to representing you in court, we are committed to fighting for your rights every step of the way.

Contact the best NJ car accident lawyer today for a free consultation. 

Call us now at (201) 816-1333 or (212) 695-7577.

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