Personal Injury Articles for the Injured of NJ

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

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

How to Respond to a Car Insurance Adjuster's Unsolicited Check

Posted by Francis M. Smith on Tue, Nov 12, 2013

By Francis M. Smith

When you've been in a motor vehicle accident, whether it's in a car, on a motorcycle or in a truck, it's natural to want your life to return to normal as quickly as possible – for the vehicle repairs to be dealt with, for your injuries to heal, for you to return to work and the other activities you normally enjoy. You may also be faced with costly repair and medical bills, and if you're unable to work, you may be anxious to receive a quick settlement from the insurance company for the party responsible for the accident. Sometimes the insurer will be more than happy to oblige you with a speedy offer of a settlement, maybe even including a check that you didn't ask for (because you don't yet know the full cost of your expenses).

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Topics: NJ Auto Insurance, NJ Car Insurance

NJ’s New Personal Injury Protection Regulations Manage Medical Access to Reduce Auto Insurance Costs and Boost Profitability

Posted by Francis M. Smith on Mon, Jul 08, 2013

By Francis M. Smith

Managed health care has had tremendous backlash by both by consumers and providers in its effort to stem health care costs. When the NJ Department of Banking and Insurance published reimbursement rates for treatment of injuries resulting from automobile accidents, it raised similar concerns regarding the State of NJ’s intrusion into the practice of medicine.

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Topics: NJ Auto Insurance, NJ Car Insurance, New Jersey Personal Injury Law, NJ Personal Injury Law

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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