Personal Injury Articles for the Injured of NJ

Insurance Tactics to Reduce Claims for Pedestrian and Bicycle Accident Cases

Posted by Francis M. Smith on Mon, Oct 15, 2018

By Francis M. Smith

Insurance companies employ highly trained professionals known as claims adjusters to handle personal injury cases caused by the negligence of their policy holders. When a pedestrian or cyclist like you is struck by a vehicle, a claims adjuster for the driver’s insurance company springs into action as soon as the accident is reported. Regardless of what the claims adjuster may say to you, he has one goal in mind, the purpose for which the insurance company hired him: to ensure that his employer has to pay you as little money as he can manage, or none at all. To that end, insurance adjusters have a large playbook of tactics at their disposal, but a few tricks are particularly common – simply because they overwhelmingly tend to work against injured claimants who lack experience in dealing with insurance companies and injury lawsuits. By learning how to recognize these deceptive tactics and knowing how to respond, you can protect yourself from being unfairly denied the opportunity to receive the fair compensation you deserve.

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Topics: Bicycle Accidents, Pedestrian Accidents, injury compensation, insurance company, insurance adjuster

Boating and Jet Ski Accidents

Posted by Francis M. Smith on Fri, Oct 12, 2018

By Francis M. Smith

For New Jersey residents, taking to the water is a popular way to beat the late-summer heat, either at the beach or at one of the state’s numerous bodies of fresh water. The warm weather is an excellent opportunity to enjoy boating or the use of personal watercraft, but the popularity of boating brings its own dangers along. Car accidents remain the largest source of transportation-related injuries and fatalities in the U.S., but recreational boating accidents easily take up second place, with more than 4,158 accidents that caused 2,613 injuries and 626 deaths, as reported by the U.S. Coast Guard for 2015, an increase in fatalities over the year prior.

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Topics: NJ Personal Injury Case, injury compensation, boating accidents, jet ski accidents

When a Child is Injured in a School Bus Accident in NJ

Posted by Francis M. Smith on Fri, Sep 14, 2018

By Francis M. Smith

It’s a nightmare scenario for parents of school-age children: your child is riding a school bus when the bus gets into an auto accident. Families all across New Jersey rely on school buses to transport their children to and from school, and even children who don’t regularly ride the bus will most likely climb on board a few times a year for class field trips. One such accident took place in May of this year, when a bus taking fifth-graders on a field trip collided with a dump truck. The resulting crash claimed the lives of one student and a teacher, and injured 43 others.

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Topics: injury compensation, federal tort claims act, tort law, school bus accident

Do You Really Need to Tell Your Lawyer Everything About Your Case?

Posted by Francis M. Smith on Fri, Apr 27, 2018

By Francis M. Smith

After an accident, the process of initiating your personal injury case can be a nerve-wracking experience, especially if you’ve never needed to hire a lawyer before. You may find yourself concerned about what to say, how much to share, especially if there’s anything about your case or circumstances or past that you feel may be embarrassing or damaging. If you feel tempted to hold back certain details from your attorney because you don’t want them being brought up in your case, it’s vital for you to fight that urge. Your lawyer isn’t there to judge you, but rather to help you. He can only do that effectively if he knows the whole story, and can prepare for any snags that may result from the reveal of uncomfortable or damaging facts.

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Topics: NJ Personal Injury Case, New Jersey Personal Injury Attorney, injury compensation

Hit By A Truck: What Are The Damages In Your Case?

Posted by Francis M. Smith on Mon, Apr 09, 2018

By Francis M. Smith

When you pursue a truck accident case after a serious crash, you should be seeking more than simply the costs of your medical bills and the repairs to your car. The purpose of a personal injury suit is to restore you fully to your pre-accident state of being, as far as it is possible to do so. This means that any sort of harm you have suffered as a result of your accident should be compensated in some manner, even if it’s difficult to assign a dollar value to some of the ways your life has been impacted by your injuries.

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Topics: Motor Vehicle Accidents, Truck Accidents, injury compensation

How are Truck Accident Injuries’ Medical Bills Paid?

Posted by Francis M. Smith on Fri, Mar 30, 2018

By Francis M. Smith

While the intent of pursuing an injury claim against the parties responsible for your commercial truck accident is, in part, to be compensated for the costs of the medical treatment you received for your accident injuries, rarely does the insurance company representing the other driver actually pay your medical bills directly. In fact, if the insurance adjuster offers to do so, it’s likely that he is simply trying to appease you in order to resolve your claim quickly – and for much less money than you actually deserve for your injuries. In most cases, your medical costs will need to be paid by another means initially, which will then be reimbursed out of your eventual settlement or court-ordered damages.

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Topics: Motor Vehicle Accidents, Truck Accidents, injury compensation

Using Uber or Lyft? Do you know who pays for the riders’ injuries in car accidents?

Posted by Francis M. Smith on Fri, Mar 02, 2018

By Francis M. Smith

Ride-sharing services occupy a strange sort of middle ground with respect to liability. It’s very clear who pays for your injuries if you’re hurt in an accident while riding in a taxi owned by a cab company and driven by one of its employees. It’s also clear who pays for your injuries if you’re in an accident while your friend is giving you a ride as a favor, even if you chip in for gas. But ride-sharing companies like Uber and Lyft have traditionally been viewed as neither fish nor fowl under the law, leaving customers uncertain where to turn in the event of an accident. Lyft and Uber drivers are independent contractors, not employees of the companies that provide the ride-sharing apps. However, these drivers’ insurance companies have balked at the prospect of paying commercial taxi-like claims in exchange for personal-vehicle premiums. Thanks to a law passed in late 2016, New Jersey residents now have a bit more clarity on the subject.

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Topics: Motor Vehicle Accidents, injury compensation, insurance company, liability insurance

When Injured in a Semi Truck Accident in NJ, Who is at Fault?

Posted by Francis M. Smith on Mon, Feb 19, 2018

By Francis M. Smith

When pursuing an injury claim following any kind of automotive accident, the question of fault is one of the most important matters to address. Your attorney must be able to prove that some other party was negligent in some way that resulted in your injuries. The issue of fault and liability becomes significantly more complex when the vehicle that caused your accident was a commercial semi truck. Several different individuals and companies are involved in the operation, loading, maintenance, and oversight of these large trucks, and the more parties who influence or affect a vehicle, the more different ways there are for something to go wrong. Figuring out exactly which of these potential problems played a role in causing your accident, and therefore who should be included as a defendant in your lawsuit, is one of the tasks facing your attorney in the early stages of the handling of your case.

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Topics: Motor Vehicle Accidents, Truck Accidents, injury compensation

Tips on Calling Your Insurer after an Accident with a Truck

Posted by Francis M. Smith on Mon, Feb 12, 2018

By Francis M. Smith

Following any serious car accident, it can be difficult to know how to proceed or who you can turn to. Your vehicle has probably suffered major damage and might be totaled, and you or your passengers may be injured. You’ve heard how dangerous it can be to interact with the other driver’s insurance company, how their insurance adjuster will try to twist the things you say to paint the accident as your fault rather than his client’s (especially when the other vehicle was a large commercial truck, because of the high stakes usually associated with semi truck accidents) – but what does that mean for dealing with your own insurance company?

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Topics: Motor Vehicle Accidents, Truck Accidents, injury compensation, insurance company

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

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