Personal Injury Articles for the Injured of NJ

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

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

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

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

Multiple Injured Client Endorses Ankle Injury Lawyer Frank Smith

Posted by Francis M. Smith on Sun, Dec 16, 2012

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

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Topics: NJ Personal Injury Attorney, Motor Vehicle Accidents, Personal Injury Protection, Dog Bites, Slip and Fall, NJ Personal Injury Cases

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

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

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