Personal Injury Articles for the Injured of NJ

Supplemental Underinsured Motorist Coverage for Motorcyclists

Posted by Francis M. Smith on Fri, Nov 03, 2017

By Francis M. Smith

Every vehicle operated on a public road and registered in New Jersey is legally required to carry insurance, to protect both the vehicle's driver and others involved in the event of an accident. However, sometimes the protection provided by a standard insurance policy isn't enough; this is doubly true for motorcyclists, as motorcycle insurance generally doesn't include personal injury protection (PIP), which is a car accident victim's first recourse for medical coverage in no-fault states like New Jersey, in which each driver's own insurance pays their medical expenses. Lacking this option, a rider's best option for injury compensation is medical insurance first, then the other driver's car insurance, given that in the majority of motorcycle accidents involving another vehicle, the rider is not the party at fault. (And if relying on the other vehicle's liability insurance, only at the conclusion of the claim will unpaid medical bills be paid out of settlement proceeds.)

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Topics: Uninsured Motorist Coverage, Motorcycle Accident, Underinsured Motorist Coverage, motorcycle injuries

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

The Value of Your Injury Claim vs. Available Insurance

Posted by Francis M. Smith on Wed, Feb 17, 2016

  By Francis M. Smith

When attempting to estimate the correct compensation to be paid in a personal injury case, you should of course consider important factors like the type of injuries you sustained, the kind of treatment you required, and the presence of witnesses or physical evidence that support your account of your accident. However, it's just as important not to lose sight of the single absolute limiting factor on your injury compensation: the amount of money the defendant actually has. If the person responsible for your injuries has no liability insurance (or, in the case of motor vehicle accidents, insufficient insurance coverage) and negligible personal wealth and assets, it doesn't matter how ironclad your case is, how obviously at fault the defendant was, or how much your injuries cost to treat – you simply cannot sue a person for assets that he doesn't have.

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Topics: Uninsured Motorist Coverage, Product Liability Cases, Underinsured Motorist Coverage, injury compensation, premises liability

Drunk Drivers and Motor Vehicle Accident Injury Cases

Posted by Francis M. Smith on Fri, Apr 12, 2013

By Francis M. Smith
The State of New Jersey reported more than 290,000 accidents during 2011 and more than 190 deaths resulting from collisions involving drunk drivers. This still leaves more than 280,000 people suffering from some form of an injury as a result of a motor vehicle accident. Unfortunately, filing a claim for these injury cases is a right that must be exercised quickly since the New Jersey personal injury statutes only allow a claim to be filed for 24 months after an injury.

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Topics: Motor Vehicle Accidents, Automobile Insurance, NJ Auto Insurance, Uninsured Motorist Coverage, New Jersey motor vehicle accident attorney, Underinsured 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

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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