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, insurance adjuster, insurance company, injury compensation

Overcoming fears and apprehension when filing insurance claims for bicycle and pedestrian accidents

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

By Francis M. Smith

The purpose of a personal injury suit is to help a person who has been harmed through the negligence of another – to return a person as closely to their pre-accident state as possible, and to compensate for pain, inconvenience, and other losses. Why, then, are so many people hesitant to file an injury suit after they’ve been hurt in an accident? While the reasons for this apprehension are as varied and numerous as the injured cyclists and pedestrians who are hurt in automotive accidents, there are a few common threads in their reasoning.

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Topics: Bicycle Accidents, Pedestrian Accidents, insurance company, settlement 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, liability insurance, insurance company

How to Handle Accident Follow-up Calls from Other Driver’s Insurance Company

Posted by Francis M. Smith on Wed, Feb 14, 2018

By Francis M. Smith

After a car accident caused by another driver, you can expect that driver’s insurance company to try to make contact with you in short order. The insurance adjuster who reaches out to you will probably seem very friendly and accommodating, and talk about how he wants to get your claim straightened out for you as quickly as possible. So what should you say to the representative of the other driver’s insurance company?

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Topics: Motor Vehicle Accidents, insurance company, insurance adjuster

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, insurance company, injury compensation

How Insurance Companies Value Truck Accident Claims

Posted by Francis M. Smith on Fri, Feb 09, 2018

By Francis M. Smith

The personal injury damages an accident victim receives as a result of an automotive accident are intended to help the injured person to be “made whole” to the greatest extent possible – that is, to be restored to their pre-accident state, or as close to it as financial compensation and medical technology permits. Though the dollar values of some accident damage awards and settlements can sound impressively high to a third-party observer, they are an imperfect form of recompense at best; given the choice, practically every injured plaintiff would rather the accident had never happened in the first place than to receive a settlement or injury damages. Ironically this is especially true in the case of semi truck accidents, despite the often impressive sums involved in resolving these claims. Because of the huge difference in size and weight between a passenger vehicle and an 18-wheeler, the injuries that result from crashes between the two are generally devastating, if not fatal.

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Topics: Truck Accidents, Motor Vehicle Accidents, insurance company, settlement 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: motorcycle insurance, Personal Injury Protection, insurance company, Automobile Insurance

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

Does Your Motorcycle Have Adequate Insurance Coverage?

Posted by Francis M. Smith on Mon, Oct 09, 2017

By Francis M. Smith

As anyone who rides regularly knows, the freedom and maneuverability granted by a motorcycle comes at the cost of a greater vulnerability to injury in the event of an accident, and it only takes a fraction of a second for a ride to go horribly wrong. Poor road conditions or inattentive motorists can cause serious accidents in a heartbeat. Of course, some would argue that's why we have motorcycle insurance; to guarantee that we have the resources needed to recover in the event of a crash. But many riders don't realize how little protection the insurance policy they've bought actually provides.

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Topics: Motorcycle Accident, motorcycle laws, insurance company

Negotiations in Personal Injury Cases - What to Expect

Posted by Francis M. Smith on Fri, Aug 04, 2017

By Francis M. Smith

When you begin the process of seeking compensation for injuries resulting from an accident, one of the first things you're likely to hear is that the majority of personal injury cases are resolved through a settlement rather than a court decision. (Some judges tell me it's as high as 98%.) But while popular media has given most people a general idea of what a court case looks like, personal injury negotiations to reach a settlement often remain a bit of a mystery.

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Topics: negotiated personal injury settlement, Forced Arbitration, Settlement Offer, insurance company

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