Personal Injury Articles for the Injured of NJ

Carfax Reports on Auto Accident Car Repairs: Loss of Car Value

Posted by Francis M. Smith on Wed, Nov 15, 2017

By Francis M. Smith

After a car accident, the goal of a lawsuit or insurance claim made by the victim of the accident is to make them "whole" -- in other words, to restore them to the condition they enjoyed before the accident, to whatever extent is possible. In terms of bodily injury, this frequently means that the negligent party must pay for any medical treatment required to aid the injured person in healing to their pre-injury state. If the victim's injuries have resulted in permanent disability or impairment, additional compensation is required to make up for the damage caused to the injured person's earning ability and general quality of life. A similar principle applies to compensation for damage to the victim's vehicle; they are entitled to seek compensation sufficient to restore them to their pre-accident state, practically and financially.

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Topics: Motor Vehicle Accidents, Automobile Insurance, carfax reports, loss of car value

Motorcycle Insurance FAQs

Posted by Francis M. Smith on Mon, Nov 13, 2017

By Francis M. Smith

Motorcycle Insurance

 

Q: Do I need to buy a separate insurance policy for my motorcycle?

A: Yes. Car insurance does not extend to cover motorcycles, due to the significant differences in risk between the two kinds of vehicle, so you will need to purchase a separate motorcycle insurance policy, regardless of whether you already have auto insurance. New Jersey law requires riders to carry a minimum of $15,000 per person and $30,000 per accident of liability coverage. However, this legal minimum is almost certainly insufficient coverage for any serious accident. If a passenger riding with you is hurt, their injuries could be very severe and require extensive medical treatment. Liability coverage of at least $100,000 per person and $300,000 per accident is recommended, along with an equal amount of uninsured/underinsured motorist (UIM) coverage.

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Topics: Motorcycle Accident, motorcycle laws, motorcycle injuries, motorcycle accident lawyer, motorcycle insurance

Motorcycle Accidents Most Common Causes

Posted by Francis M. Smith on Wed, Nov 08, 2017

By Francis M. Smith

Motorcycle accidents are among the most devastating vehicular crashes that happen on our nation's roads. Motorcycles are not only much smaller than passenger cars, but they lack the protective passenger cabin that sedans have; with no sturdy shell between a rider's body and the road (or another vehicle), the only buffer from injury a rider has is the helmet and gear he or she wears. While helmets definitely save lives, it's no surprise that motorcyclists are dramatically more likely to die or be severely injured in a crash than occupants of a passenger vehicle. Because of this, every rider should be aware of the primary causes of motorcycle accidents, how those dangers can be avoided or mitigated, and what options they have in the event of a crash.

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Topics: Motorcycle Accident, injury compensation, motorcycle injuries

Supplemental Underinsured Motorist Coverage for Motorcyclists

Posted by Francis M. Smith on Fri, Nov 03, 2017

By Francis M. Smith

Every vehicle operated on a public road and registered in New Jersey is legally required to carry insurance, to protect both the vehicle's driver and others involved in the event of an accident. However, sometimes the protection provided by a standard insurance policy isn't enough; this is doubly true for motorcyclists, as motorcycle insurance generally doesn't include personal injury protection (PIP), which is a car accident victim's first recourse for medical coverage in no-fault states like New Jersey, in which each driver's own insurance pays their medical expenses. Lacking this option, a rider's best option for injury compensation is medical insurance first, then the other driver's car insurance, given that in the majority of motorcycle accidents involving another vehicle, the rider is not the party at fault. (And if relying on the other vehicle's liability insurance, only at the conclusion of the claim will unpaid medical bills be paid out of settlement proceeds.)

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Topics: Uninsured Motorist Coverage, Motorcycle Accident, Underinsured Motorist Coverage, motorcycle injuries

Motorcyclists' Special Insurance Needs: Read This Before Riding

Posted by Francis M. Smith on Wed, Nov 01, 2017

By Francis M. Smith

For all of the mechanical and logistical differences between motorcycles and passenger cars, the regulations governing the two types of vehicles bear plenty of similarities. It's understandable that many riders, especially those who also own a car, assume that their motorcycle insurance and their car insurance work in basically the same way. In some respects that assumption holds true, but if you're involved in a serious motorcycle accident, expecting your medical needs to be covered as they would be if you'd been driving a car could result in a very expensive disappointment.

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Topics: Personal Injury Protection, Automobile Insurance, Uninsured Motorist Coverage, Motorcycle Accident, Underinsured Motorist Coverage, insurance company

Can a Smartphone, Sports Band, or Smart Watch Impact Your Personal Injury Case?

Posted by Francis M. Smith on Wed, Oct 25, 2017

By Francis M. Smith

As mobile technology continues to make great strides forward with every passing year, we've become more and more accustomed to having ready access to an enormous wealth of information about the world in general and matters relevant to our everyday lives. But at the same time, our technology has become an equally copious repository of information about us. The reason you can so easily pull up a listing of the best pizza places in your neighborhood is because your smartphone has a GPS tracker that monitors your location moment by moment. Ready access to social media and instant messaging while on the go is likewise a double-edged sword, because your device keeps records of the conversations you participate in and the photos or statuses you post. When you and your attorney are working to assemble your personal injury case after an accident, it's easy to forget the trail of virtual "breadcrumbs" your wearables and mobile devices may leave behind -- but the legal teams working for the insurance company will be quick to sniff out any trace of information that could be damaging to your claim.

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Topics: Motor Vehicle Accidents, NJ Personal Injury Case, social media

How Will Self-Driving Cars Be Regulated

Posted by Francis M. Smith on Mon, Oct 23, 2017

By Francis M. Smith

For many years, the cutting edge of automotive safety technology has focused on reducing the possibility for human error to cause accidents, resulting in the development of numerous driver assistance features. According to many automotive technology companies, the logical end goal of these developments is a vehicle that can operate without the input of a human driver: a true self-driving car. Companies from various sectors, including tech companies like Google, auto manufacturers like Tesla, and even the ride-sharing company Uber, have been working on the development of autonomous vehicle technology. Of course, part of the development process requires testing in real-world conditions, which means putting these experimental "robot cars" on the road alongside normal traffic. This, in turn, demands that the vehicles adhere to safety regulations -- which is where things get tricky.

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Topics: Motor Vehicle Accidents, driverless cars, self drive act, self-driving cars

Motorcycle Accidents: Let Your Lawyer Be Your Guide

Posted by Francis M. Smith on Wed, Oct 18, 2017

By Francis M. Smith

In general, the higher the stakes in a motorcycle injury claim, the more complicated the case becomes, in large part due to the fact that the insurance company involved in the case will look for any justification it can find to reduce a large compensation figure. The injury claim resulting from a serious motorcycle accident can quickly become confusing even for experienced injury lawyers, which is why it's so vital to find an attorney with an extensive background in motorcycle accident cases to help you pursue your claim.

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Topics: Motorcycle Accident, injury compensation, motorcycle injuries, motorcycle accident lawyer

NJ Motorcycle Laws

Posted by Francis M. Smith on Fri, Oct 13, 2017

By Francis M. Smith

Motorcycles have several advantages over passenger cars, including fuel efficiency and sheer enjoyment to ride, but they also require a different skill set to operate safely, and come with a dramatically increased risk of serious injury or death in the event of a crash. In response, New Jersey has implemented a few key regulations governing the operation of motorcycles, intended to ensure that anyone who hits the road on the back of a motorcycle is as safe as possible.

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Topics: Motorcycle Accident, motorcycle laws, motorcycle injuries

SELF DRIVE Act faces Senate Vote to Approve Autonomous Vehicles' Higher Safety Standards

Posted by Francis M. Smith on Wed, Oct 11, 2017

By Francis M. Smith

For many years, the technologies being developed to improve automotive safety have tended toward giving more control to the vehicle itself in an effort to reduce accidents caused by human error. Electronic stability control systems, lane departure warnings, and collision avoidance technologies function automatically to avert crashes, but ultimately these driver assistance technologies still leave a human motorist in control of the vehicle. The logical end result of this technology trend, completely autonomous vehicles, have been slow in development, despite the numerous companies working on them. This is partly due to the regulatory limitations that have existed since the idea of self-driving cars became remotely realistic, as lawmakers were understandably cautious about putting the safety of public roads in the hands of a complicated and unproven technology.

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Topics: Motor Vehicle Accidents, driverless cars, self drive act

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