Personal Injury Articles for the Injured of NJ

New NJ Insurance Policy Limits Disclosure Law

Posted by Francis M. Smith on Thu, Apr 25, 2019

By Francis M. Smith

A bill recently passed in the New Jersey Senate will help injured plaintiffs make informed decisions in their pursuit of fair compensation for their injuries. The bill, S-2429, passed in the State Senate at the end of March, requires that insurance providers disclose the limits of coverage on a policy held by a customer who is party to an injury claim. After receiving a request for disclosure in connection with an injury claim (which must include a statement that the attorney represents a person injured in an accident involving someone insured by the provider, the insured person’s name and last known address, the date and time of the accident, and any existing police report), the insurance company has 30 days to respond in writing with a disclosure of the policy limits in question. The bill was sponsored by Senator Nicholas Scutari and Senator Nellie Pou, and co-sponsored by Senator Chris Brown. Having passed in the Senate on March 25th by a vote of 27-9, S-2429 will be sent to the Assembly to be considered.

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Topics: Motor Vehicle Accidents, Automobile Insurance, injury compensation

5 Most Common Misconceptions About Motorcycle Insurance

Posted by Francis M. Smith on Wed, Feb 07, 2018

By Francis M. Smith

Insurance companies spend a great deal of money and effort to cultivate the impression in the minds of their customers that they are trustworthy and have the customer's best interests at heart. One of the worst times to discover how unwarranted that reputation may be is in the aftermath of a serious motorcycle accident. You rely on your insurance to protect you when disaster strikes, but how justified is your trust in your motorcycle insurance? Too many riders discover too late that they believed one or more of these dangerous myths about their insurance coverage.

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Topics: Personal Injury Protection, Automobile Insurance, insurance company, motorcycle insurance

What is Umbrella (or "Excess" ) Insurance? Is Umbrella Insurance Right for Me?

Posted by Francis M. Smith on Mon, Feb 05, 2018

By Francis M. Smith

Many kinds of insurance policies have two distinct functions: they provide a way to pay for the help we need when we are harmed, and they protect the assets we have worked to earn in the event that a mistake we make harms someone else. The latter type of protection is liability coverage. If you become a defendant in a lawsuit, the relevant type of liability coverage you carry may be used to compensate the plaintiff for their damages without involving your personal funds, property, or future earnings. Having sufficient liability coverage protects your assets and your family's financial stability.

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Topics: Automobile Insurance, homeowners insurance, liability insurance, umbrella insurance

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

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

What Insurers Don't Want Juries to Know

Posted by Francis M. Smith on Wed, Apr 22, 2015

By Francis M. Smith

If a personal injury case resulting from a car crash or other accident goes to trial, the outcome of that case will likely be decided by a jury. As almost anyone who has ever received a jury duty notice in the mail knows, jurors are average citizens (the “peers” of those involved in the trial) who typically have little or no specialized knowledge of the law, outside of whatever they may have retained from a high school civics class. Jurors who are selected to decide a particular case must be briefed on the points of law relevant to the case in question, which they must consider in conjunction with the evidence and testimony presented by the attorneys during the trial proceedings.

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Topics: Motor Vehicle Accidents, Automobile Insurance, injury compensation, injury case, insurance company

After an Accident, How to Handle Your Insurance Company

Posted by Francis M. Smith on Mon, Apr 20, 2015

By Francis M. Smith

Insurance companies advertise themselves as reliable sources of help when disaster strikes; they paint themselves as friends, neighbors, people who are on your side or in your corner, ready to help you. We've all seen the "Good Hands" commercials on TV. These are all great marketing slogans, but the reality is that insurance companies are for-profit businesses, and they make their bottom line by taking in as much money in payments and premiums as they can, and paying out as little for claims as they can get away with. When you suffer a car crash or other accident and need to file an injury claim, you're likely to find the helpful and neighborly spirit of your insurance company vanishing in the face of your claim. Unlike actual friends, your insurer has no motivation to care whether your medical bills are paid in full, or whether you receive compensation for the lost wages and suffering you endured as a result of your injuries. In order to make sure you get the money you deserve, you need to know how to handle your insurance company. If you have retained the services of a personal injury attorney, he or she will do this for you. If you have not, read on.

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Topics: Injuries, Personal Injury, Motor Vehicle Accidents, Automobile Insurance, injury compensation, insurance company

The 6 Most Important NJ Car Insurance Coverages

Posted by Francis M. Smith on Fri, Apr 03, 2015

By Francis M. Smith

Check Your Car Insurance

Tax time is an excellent time to take stock of things and make better decisions going forward. NJ car insurance is an excellent candidate for this kind of “spring cleaning”. Experienced car accident attorney Francis M. Smith, Esq. reminds New Jersey drivers to look over their auto insurance policies to ensure that they are adequately covered in the event of an accident. To this end, he offers a free eBook, The New Jersey Car Insurance Buyer's Guide, to help drivers learn the facts about their policies. In his book, Mr. Smith recommends seven types of coverage drivers should be certain their policy includes.

  • Make sure the standard policy option has been chosen, NOT the basic policy.
  • Choose PIP primary, rather than Health Care Primary, coverage.
  • Select the $250,000 PIP medical expense coverage option. 
  • Pick the “no limitation on lawsuit” option. 
  • Buy both liability coverage and UM/UIM (uninsured/under-insured motorist) coverage.
  • For additional protection, purchase a personal catastrophe liability umbrella with limits of at least $1 million.
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Topics: Automobile Insurance

What is an Auto Insurance Threshold in NJ? And why you better know!

Posted by Francis M. Smith on Wed, Mar 04, 2015

By Francis M. Smith
 
When you apply for auto insurance, there are a lot of choices in coverage you have to make, and we have discussed many of the important ones.  One of the most critical choices, though, is the “threshold”, a/k/a/ the “lawsuit threshold”. With one choice, you save a good bit of money (Limitation on Lawsuit Threshold) and on the other choice (No Threshold) you do not. The savings can be significant. So it’s a no-brainer, right?

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Topics: Motor Vehicle Accidents, Automobile Insurance, NJ Auto Insurance, Permanent Injury

Why Retain a Personal Injury Lawyer after a Serious NJ Car Crash?

Posted by Francis M. Smith on Mon, Dec 15, 2014

By Francis M. Smith

If you have sustained injuries in a serious car crash, a number of things must be done as quickly as possible in order to protect your rights to secure appropriate compensation from the insurance companies involved. However, in the aftermath of a serious accident, you are likely to be dealing with numerous other issues – receiving medical treatment and dealing with the pain of your injuries, overcoming the shock and stress of the accident itself, contending with the damage to your vehicle and the resulting transportation problems, managing the financial issues that arise from time spent not working due to your injuries, and in the most tragic cases, grieving and making funeral arrangements. These other important concerns make it all the more difficult for the average person without legal experience to handle their personal injury claim in the most effective way.

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Topics: Injuries, Motor Vehicle Accidents, Automobile Insurance

Can My Doctor Prepare the Expert Report for My Serious Injury?

Posted by Francis M. Smith on Fri, Jun 20, 2014

By Francis M. Smith

During the "discovery" phase of any personal injury lawsuit, it is generally expected that the plaintiff, or claimant, will undergo a medical evaluation by an "independent" medical expert. This report is intended to serve as the basis for the claimant's settlement negotiations with the insurance company, and will be submitted as evidence and that doctor will be an expert witness should the case go all the way to trial. In an ideal world, these medical examinations would be conducted by an honest doctor with no agenda other than accurately determining the severity and scope of the plaintiff's injuries. Unfortunately, when dealing with medical experts hired by insurance companies, this ideal is rarely met, if ever. The insurance industry and their attorneys like to call such an exam an "IME"- independent medical exam- but I call it a "DME"- a defense medical exam, because it is anything but independent.

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Topics: NJ Personal Injury Attorney, Injuries, Motor Vehicle Accidents, Automobile Insurance, Car Accidents, New Jersey motor vehicle accident attorney, Motorcycle Accident, Medical-Legal Exams, Spinal Injuries

Did You Know? Some Bicycle Accident Injuries are Covered by Your Car Insurance in NJ

Posted by Francis M. Smith on Wed, May 28, 2014

By Francis M. Smith

As thousands of New Jersey cyclists realize, a bicycle is an excellent way to get around, whether you bike recreationally or as part of your daily commute. Riding a bicycle can save you money in this age of high gas prices, it reduces your carbon footprint, and it helps you maintain a healthy lifestyle. Still, as with any form of transportation, accidents happen – and it's important to understand how things work if you're a cyclist who is struck by a motor vehicle. When bikes and cars collide, serious bicycle injuries often result, and who pays those medical bills? It's not who you probably think.

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Topics: Automobile Insurance, New Jersey Personal Injury Attorney, Bicycle Accidents, Bicycle Safety

Why Contact a Lawyer Soon After a Car Accident?

Posted by Francis M. Smith on Mon, May 19, 2014

By Francis M. Smith

Under the very best of circumstances, being in a car accident is a scary experience. Because motor vehicles are big, heavy, and fast, they have the potential to do a lot of damage to bodies and property if something goes wrong. In the first moments following the accident, your reactions might include shocked surprise – especially if the other driver came out of nowhere or did something unexpected to cause the accident – fear, anger, and worry. Is anyone hurt? Are you hurt? Is it safe to stay in the car? Is it safe to get out? People who are fortunate enough never to have been in the situation previously are often confused and uncertain of how to proceed when another driver strikes them. This can be a problem, since there are important things people should do to protect themselves when they've been in a car accident, and many of them should be begun as soon after the crash as is practical.

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Topics: Injuries, Motor Vehicle Accidents, Automobile Insurance, Car Accidents

NJ Spinal Injury Attorney Discusses Car Accident's Impact on Lower Back

Posted by Francis M. Smith on Fri, May 02, 2014

In a car crash or other accident in which trauma is inflicted on your body, some injuries make themselves known immediately and their diagnosis is quite clear. Unfortunately, other injuries may not manifest immediately – and even when they do, it can often be hard for doctors to pinpoint exactly what the cause of your pain could be. Like many injuries to the neck and back, damage that centers around the lower back often presents these difficulties for doctors and accident victims. The difficulty in diagnosing lower back injuries makes finding a trustworthy NJ back injury attorney absolutely crucial if you find yourself with back pain following a car accident. You need someone to help you keep the insurance companies off your back – literally and metaphorically – with their pushy representatives, their denials of benefits under your policy, and the paltry settlement offers from the other driver's insurance company. It is enough that you're trying to secure the treatment you need to recover.

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Topics: NJ Personal Injury Attorney, Automobile Insurance, Spinal Injuries, Herniated Disc

Why Your Insurance Company Won't Pay: A Common Problem After a Motor Vehicle Accident

Posted by Francis M. Smith on Wed, Apr 30, 2014

By Francis M. Smith

Too often when a person becomes the victim of a car or motorcycle accident, they find themselves in the position of needing to fight the insurance company in order to get their medical bills paid. Some injuries, such as broken bones resulting from the impact, have a fairly indisputable cause and there is little the insurer can do to argue against paying for them. Unfortunately, many injuries are not so self-evident, and insurance companies hire lawyers who will search for any justification to avoid compensating for the damage sustained as a result of those injuries. In automotive accidents, neck and back injuries are very common, and can have serious, permanent consequences for the collision victim's quality of life. It's important to have an experienced spine injury attorney on your side after you've sustained such an injury in a vehicle crash, to help you win the causation fight against the insurance company and ensure that the treatment you need is paid for.

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Topics: NJ Personal Injury Attorney, Injuries, Motor Vehicle Accidents, Automobile Insurance, Car Accidents, New Jersey motor vehicle accident attorney, Motorcycle Accident, Medical-Legal Exams, Spinal Injuries

Car Insurers Strategy to Increase Profits: Blame Victims with Soft-Tissue Injuries

Posted by Francis M. Smith on Fri, Apr 11, 2014

By Francis M. Smith

Insurance companies design their slogans, ads, and other promotional materials to give you the impression that they are trustworthy, dependable, and ready to help you when trouble strikes. Unfortunately, as many people who have faced auto insurance company representatives across the negotiating table in the aftermath of a car accident have learned, that caring and reliable facade is nothing more than a marketing ploy. The reality is that insurance companies are primarily profit-making enterprises, and most of them care much more about their own bottom line than about the financial struggles you may face when dealing with lost wages and medical bills from a soft-tissue injury after a car accident.

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Topics: Motor Vehicle Accidents, Automobile Insurance, NJ Auto Insurance, NJ Car Insurance, New Jersey motor vehicle accident attorney, New Jersey Personal Injury, Settlement Offer

April 2014 Declared Distracted Driving Awareness Month

Posted by Francis M. Smith on Wed, Apr 09, 2014

By Francis M. Smith

Most people are aware of the dangers of drunk driving long before they are old enough to get their driver's license, let alone have their first drink. This level of public awareness is the result of years of concerted efforts on the part of several government and non-profit agencies that work to protect people by making drivers and passengers aware of the dangers of driving while intoxicated- including not just criminal penalties, but also serious injuries suffered by the drunk driver, other drivers, and innocent bystanders.

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Topics: Motor Vehicle Accidents, Automobile Insurance, Distracted Driving, NJ Personal Attorney

Brain Injuries: When Auto Accident Symptoms Do Not Improve

Posted by Francis M. Smith on Fri, Mar 28, 2014

By Francis M. Smith

When most people think about the kinds of serious injuries that can result from an automobile accident, it's the visually obvious physical damage that first comes to mind: wounds, broken bones, and torn muscles and ligaments. These kinds of injury are relatively easy to identify, and the difference between "injured" and "recovered" is fairly obvious. But there is a type of injury that very frequently results from car accidents that is much harder to recognize and understand. In fact, the medical profession is still learning about these injuries.

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Topics: Injuries, Motor Vehicle Accidents, Automobile Insurance, NJ Auto Insurance, NJ Car Insurance, Car Accidents, Brain Injury

NJ Poll Reveals Worsening Commute, Top Concerns for AAA

Posted by Francis M. Smith on Wed, Mar 05, 2014

By Francis M. Smith

If you take a minute to think about it, it’s no wonder that the overwhelming percentage of all car accidents happen within ten miles of an individual’s home.  Unless your job requires you to travel, most drivers stick pretty close to home. That is, of course, besides your daily commute. Millions of men and women start the “daily grind” by getting into their cars and commuting to work.

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Topics: Automobile Insurance, Distracted Driving, Drunk Driving

Does My Car's Value Diminish After Car Accident Repairs?

Posted by Francis M. Smith on Mon, Feb 24, 2014

By Francis M. Smith

According to leading insurance carriers, the average American will file a car accident claim every 17.9 years. Out of the 10 million national accidents every year, most are relatively minor. Yet even those these “minor accidents” are quickly taken care of via both party’s insurance, too many people forget another factor involved: depreciation.

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Topics: NJ Personal Injury Attorney, Automobile Insurance, NJ Auto Insurance, NJ Car Insurance

Independent Medical Exams - Delay, Deny, or Defend Injury Claims

Posted by Francis M. Smith on Fri, Jan 24, 2014

By Francis M. Smith

If you’ve suffered a personal injury, you may think, “I’ll be OK. I have good insurance.” That’s not necessarily true, even if you made good choices and bought all the right coverage.

Recent stunning revelations about how insurance companies function, are making people rethink the fairness of insurance. You’re paying for insurance! What does your insurance company do for you when you need them?

Insurance companies are not in business to protect you. They are in business to make money. They make money by taking your premiums and (as often as possible) not paying your claim. They use complex processes when you submit a claim that have a threefold philosophy: delay, deny, and defend. The Insurance Company Medical Examination is a common way to avoid paying a claim. The insurance company will call this an "independent medical examination" - but it is anything but that.

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Topics: Automobile Insurance, Independent Medical Exam, Evidence

2014 New Year’s Resolution: Review Your Car Insurance Needs

Posted by Francis M. Smith on Wed, Jan 22, 2014

By Francis M. Smith

It’s a New Year! Check the adequacy of your auto insurance by reading my free, short, information-packed book about what auto insurance you should buy and why. Get it FREE at www.NJCarInsuranceGUIDE.com .

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Topics: Automobile Insurance, NJ Auto Insurance, NJ Car Insurance

NJ Car Accident Attorney Educates Drivers on Auto Insurance

Posted by Francis M. Smith on Mon, Jan 13, 2014

In his new paperback book, New Jersey Car Insurance Buyer’s Guide, Francis M. Smith, Esq., a NJ personal injury attorney, educates drivers on the advantages of a Standard Policy, the risks of Basic Policies, personal injury protection, or PIP Primary vs. Health Care Primary, as well as information on coverage limit levels.

With nearly 6 million NJ licensed drivers traveling over 73 billion miles a year on NJ’s 39,000 public roads [i], driving in NJ is risky business. Governor Christie aide Bridget Anne Kelly’s now infamous email that read “Time for some traffic problems in Fort Lee” which resulted in a four-day lane closures at the George Washington Bridge in September demonstrates how frustrating – and precarious it can be for drivers in NJ.

Auto insurance coverage is compulsory for NJ drivers, but drivers on NJ highways from other states may not be required to carry insurance. And those who purchase bare-bones automobile insurance policies typically sold online or by insurance agents, may expose other drivers to medical and financial loss if they suffer serious bodily injury in a motor vehicle accident.

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Topics: Personal Injury, Personal Injury Protection, Automobile Insurance, NJ Auto Insurance, NJ Car Insurance

NJ Personal Injury Lawyer Warns of Insurance Adjusters Top 6 Tricks

Posted by Francis M. Smith on Wed, Jan 08, 2014

By Francis M. Smith

Car insurance companies want you to believe that when something goes wrong, they're on your side – that you're in good hands when they're on the job. But the reality is very different when you've been in a car accident and the other driver's insurance company assigns an adjuster to assess the situation.

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Topics: Automobile Insurance, NJ Personal Injury Case

Warning: Car Accidents & Quick Settlement Offers

Posted by Francis M. Smith on Mon, Nov 25, 2013

By Francis M. Smith

Imagine this: you've just been in a motor vehicle accident. It's only a few days after the crash, and you probably haven't even gotten an estimate on your vehicle yet, let alone had more than a preliminary medical examination at the hospital. You may be waiting on an appointment with your primary care doctor or a specialist, and can only guess at what the full extent of your injuries will be and what treatments you'll need. Then you get a call from an insurance adjuster representing the other driver's insurer. He wants to see how you're doing and find out about your injuries in order to process your claim promptly and get you a check right away. He seems really on top of things, and interested in your well-being.

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Topics: Motor Vehicle Accidents, Automobile Insurance, Motorcycle Accident, Pedestrian Accidents

Warning: When Insurance Adjusters Ask for Medical Information

Posted by Francis M. Smith on Mon, Oct 07, 2013

By Francis M. Smith

After an accident a lot of times the insurance company will get in touch with you and want information. They want to know what happened to you - they’re solicitous even. They ask about your medical bills, whether you’re out of work. They may even ask you to sign a form so that they can get your medical records or so they can get your employment records.

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Topics: NJ Personal Injury Attorney, Motor Vehicle Accidents, Automobile Insurance, NJ Auto Insurance

Drunk Drivers and Motor Vehicle Accident Injury Cases

Posted by Francis M. Smith on Fri, Apr 12, 2013

By Francis M. Smith
 
The State of New Jersey reported more than 290,000 accidents during 2011 and more than 190 deaths resulting from collisions involving drunk drivers. This still leaves more than 280,000 people suffering from some form of an injury as a result of a motor vehicle accident. Unfortunately, filing a claim for these injury cases is a right that must be exercised quickly since the New Jersey personal injury statutes only allow a claim to be filed for 24 months after an injury.

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Topics: Motor Vehicle Accidents, Automobile Insurance, NJ Auto Insurance, Uninsured Motorist Coverage, New Jersey motor vehicle accident attorney, Underinsured Motorist Coverage

Shoulder Injured Recommends NJ Personal Injury Attorney Frank Smith

Posted by Francis M. Smith on Thu, Dec 27, 2012

The following is a transcript created for Frank Smith's video from his series on NJ Personal Injury Law, available on YouTube at: Francis M. Smith, NJ Personal Attorney – Personal Experience

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Topics: Automobile Insurance, Product Liability Cases, Dangerous Premises, Success Stories, Dog Bites, Slip and Fall, Client Recommendations

Auto Insurance - Never Lie on Your NJ Car Insurance Application

Posted by Francis M. Smith on Wed, Dec 12, 2012

By Francis M. Smith
 
How would you like to find out you really have no insurance at all on your car AFTER you have been in an accident and suffered serious injuries -  and after paying all your premiums? It can happen. Attorneys who do this work have known this for years, and so have insurance agents. Make no mistake, this is something all New Jersey auto insurance policy holders should know: if you lie on your NJ car insurance application, despite your payment, and the issuance of a policy, you may have no insurance at all.

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Topics: Motor Vehicle Accidents, Personal Injury Protection, Automobile Insurance

Car Insurance – A Word About “Property Damage Liability"

Posted by Francis M. Smith on Mon, Dec 10, 2012

If you already have $100,000 in property damage insurance, you can skip this. If you don’t, you should. Here’s why.

Property damage liability is that part of your car insurance policy that protects you if you make a mistake and cause damage other than bodily injury – typically, damage to someone else’s car – but it also applies to hitting an object – like your neighbor’s house or that store front window. If you have a low property damage limit, you risk a situation where your insurance company pays out its property damage limit (maybe $25,000) and tells you you’re on your own for the rest. 

Face it, we live in a pretty affluent state. There are some high rollers driving around in very expensive cars – think the big Mercedes or BMW’s (not to mention the more exotic names out there). And frankly we are seeing more and more folks of fairly modest means driving expensive cars as well- due to the magic of leasing. If you make a mistake driving and “total” one of these cars, the bill could be over $50,000 pretty quickly, and then your personal assets are on the line.

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Topics: Motor Vehicle Accidents, Automobile Insurance, NJ Auto Insurance

NJ Car Insurance – another part you need to know about – PIP

Posted by Francis M. Smith on Mon, Aug 27, 2012

Or: The 17-cent mistake that can cost you BIG TIME

OK, we’ve covered Uninsured Motorist coverage and Underinsured Motorist coverage– the “UM/UIM Coverage” in your policy. (If you have not read them, let me know and I’ll get those installments to you.)

Today let’s talk about PIP. It stands for Personal Injury Protection. Why do they call it that? To hide and confuse, that’s why (in my opinion). It’s really medical expense coverage — like your medical insurance (if you have it) or Medicare (if you’re eligible).  The problem is, these days most of my clients don’t have medical (health) insurance  and they are not eligible for Medicare. So if you’re in a car accident, many times “PIP” is the ONLY medical insurance that is available to pay your bills, which can get hefty – very fast.  Are you concerned yet? Read on.
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Topics: NJ Personal Injury Attorney, Motor Vehicle Accidents, Personal Injury Protection, Automobile Insurance, NJ Auto Insurance, NJ Car Insurance

Auto Insurance – What Do I Need? Uninsured Motorist Coverage

Posted by Francis M. Smith on Mon, Jun 04, 2012

Most of my clients don’t find out that they have terrible auto insurance until it’s too late – they have been involved in an accident and they are sitting in front of me talking about what they can do.

By then it’s too late to change anything. The coverage you have when a car accident occurs is fixed as of that date and nothing can change it. So be sure to get the right coverage from the start.

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Topics: Motor Vehicle Accidents, Automobile Insurance, NJ Auto Insurance, NJ Car Insurance, UM/UIM Coverage, Uninsured Motorist Coverage

Auto Insurance – What Do I Need? Underinsured Motorist Coverage

Posted by Francis M. Smith on Sun, Jun 03, 2012

By Francis M. Smith
 
UNDERINSURED MOTORIST COVERAGE

In this article on auto insurance, I would like to discuss Underinsured Motorist Coverage, an auto insurance policy option that protects drivers for property damage and bodily injury caused by car accidents when the other driver has insufficient coverage.

Underinsured Motorist Coverage compensates the injured party for the difference between the injury suffered from the auto accident and the liability covered by the insurance of the driver at fault. And, like Uninsured Motorist Coverage, Underinsured Motorist Coverage is a part of your auto insurance policy that your insurance carrier would rather you didn’t know about.

Here’s an example of how Underinsured Motorist Coverage works:

I recently resolved a case for 

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Topics: NJ Personal Injury Attorney, Motor Vehicle Accidents, Automobile Insurance, NJ Auto Insurance, NJ Car Insurance, UM/UIM Coverage, Underinsured Motorist Coverage

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