Personal Injury Articles for the Injured of NJ

Taxis and Ride-Sharing -- Who is Liable for Crashes?

Posted by Francis M. Smith on Wed, Jul 19, 2017

By Francis M. Smith

To most people who are familiar with the transportation phenomenon of ride-sharing, services like Uber and Lyft seem to be very similar to taxi companies, though cheaper and more convenient. This is certainly how the customer experience appears when all goes well, but unfortunately, accidents happen. Car crashes involving an Uber or Lyft driver reveal the substantial differences between these services and traditional cab companies, and any rider should be informed of the risks before deciding how they're going to get home.

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Topics: Motor Vehicle Accidents, NJ Auto Insurance, Car Accidents, insurance company

Proper Motorcycle Insurance Coverage

Posted by Francis M. Smith on Fri, Aug 28, 2015

By Francis M. Smith

Any motorcycle accident lawyer who has been working for at least a couple of years has stories about riders who weren't carrying enough motorcycle insurance, and found out after an accident the high cost of trying to save a few bucks on a cheaper policy. Because motorcyclists are particularly vulnerable on the road, compared to drivers and passengers in larger vehicles, it's vital to carry adequate insurance protection in case something goes wrong.

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Topics: Injuries, Personal Injury Protection, NJ Auto Insurance, Uninsured Motorist Coverage, Motorcycle Accident, motorcycle laws

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

Liens and Personal Injury Settlements

Posted by Francis M. Smith on Mon, Mar 02, 2015

By Francis M. Smith

If you've received a personal injury settlement, you might reasonably assume that the issue has been resolved, and the net personal injury settlement after disbursements and attorney's fees is yours to keep. However, you may discover that your insurance company or other health care provider has attempted to place a lien on the damages you and your attorney won for your injuries. A lien is a property interest held by a third party against the financial damages awarded for a personal injury settlement or judgment; it is a legal claim on your property – in this case, the money you have been or will be awarded for your injuries.

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Topics: Motor Vehicle Accidents, Personal Injury Protection, NJ Auto Insurance

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

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

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

Car Accidents: How Are My Medical Bills Paid

Posted by Francis M. Smith on Mon, Jan 27, 2014

By Francis M. Smith

A car accident can result in serious injuries to the drivers, passengers, or pedestrians involved in a crash, and these injuries often require expensive medical treatment. When you have suffered such injuries, it's vital for you to understand who is responsible for these bills and how they are paid – knowing your rights and understanding the benefits to which you are legally entitled can help you avoid the sort of financial hardship that might complicate (or prevent) your recovery from your injuries.

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Topics: Motor Vehicle Accidents, NJ Auto Insurance, Motorcycle Accident

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

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