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Understanding Accidents and New Jersey Insurance

After being involved in an auto accident or other motor vehicle accident in New Jersey, one of the first considerations that you will have to make it whether or not your insurance policy will fully cover any damages or injuries that resulted from the accident. It is important to understand the car insurance laws in New Jersey or to hire an experienced attorney who can explain the car insurance laws in your case.

In New Jersey, there are generally two types of car insurance available, which are 'Zero Threshold' or 'Verbal Threshold'. Under 'Zero Threshold', accident victims may recover fully for any injures or property damage that they incurred in the accident. 'Verbal Threshold' policies put restrictions on the victim's right to recover and usually do not allow any recovery for pain and suffering.

At Saile & Saile LLP, we will help recover what you need out of your insurance policy. In New Jersey, to be awarded damages for pain and suffering, your injury has to be certified by a doctor or treating physician in New Jersey. The courts also prefer objective medical test results, such as X-rays, MRI results and CAT scan results, when verifying an injury. We understand the complex nature of the issues and can help you fight to get the compensation you deserve.
Car Insurance Laws in New Jersey and Pennsylvania

The law firm of Saile & Saile LLP is located in Langhorne, near the border of Pennsylvania and New Jersey. Many of our clients are drivers from New Jersey who have been injured in Pennsylvania or vice versa. A common concern for these individuals is how their car insurance policy will cover an out-of-state accident.

In New Jersey, drivers are automatically signed up under 'Verbal Threshold' unless they choose to upgrade, and Pennsylvania drivers who are involved in an accident in New Jersey are covered under a 'Verbal Threshold' policy. New Jersey drivers who get into an accident in Pennsylvania, however, are typically covered under Pennsylvania's 'Full Tort' policy, which is similar to the 'Zero Threshold' policy in New Jersey.

Contact our Langhorne, Bucks County office for a free initial consultation, where we will discuss your situation and your options. Call us locally at 215-375-7897 or toll free at 877-213-7865.

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