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Red Bank Car Accident Lawyers

Driving around Red Bank, New Jersey can be a challenging experience due to its various shops and restaurants and popular locations, such as the scenic spaces along the Navesink River, the Count Basie Center for the Arts, and the Hackensack Meridian Health Riverview Medical Center. Despite all of these points of interest, the area does not offer many major roads around town to accommodate traffic, with Route 35 being the major thoroughfare that runs right through the middle of town. The combination of small roads and popular destinations means there is an increased opportunity for car accidents in the area.

When you are in a car accident, you can sustain personal injury that can have an adverse impact on your life. It can leave you with a long-term disability or affect your ability to work and earn a salary. In New Jersey, you have multiple legal options to recoup any losses you sustained. A seasoned Red Bank car accident lawyer can provide you an explanation of your legal options.

What Type of Car Insurance Should I Purchase?

The type of car insurance you purchase will have a direct impact on your legal options for a car accident. Everyone in the state who drives a car is required to purchase at least a basic insurance policy. This policy includes:

  • $5,000 in property damage liability coverage: This applies to any damage you cause to another person’s property, including their car and a house.
  • $15,000 in personal injury protection coverage: This is the coverage that allows you or anyone else injured in your vehicle to collect compensation for their injuries. It does allow for up to $250,000 for certain serious injuries, such as permanent/significant brain or spinal cord injuries or disfigurement.

In addition to the basic insurance, drivers have the option to purchase standard insurance. With that insurance, they can choose either the limited right to sue or the unlimited right to sue options. The former prohibits you from filing a suit against an at-fault driver and is a more attractive option because of the lower premium. The latter is more expensive, but it does retain all your legal options.

Once you are in a car accident, it is too late to change your policy. However, it is something that you should review with your family just in case you or someone you love becomes involved in a car accident.

What Losses Can Be Covered?

Most often, you can obtain a portion of reimbursement for your car accident through your PIP insurance. The expenses covered include the direct economic impacts of your accident, such as:

  • Medical expenses: When you are hurt in an accident, a doctor will need to evaluate and treat you. Be sure to keep all your medical bills and any notes from the doctor for your records in case there is a dispute.
  • Lost wages: If you sustained an injury that prevents you from returning to work, you can seek compensation that will recoup the salary you would have received had you been working.
  • Essential services: There might be services that you require to maintain at home that you are unable to execute yourself because of your injury, meaning you will have to hire someone to take care of them for you. You can seek compensation for these added expenses.
  • Death benefits: If a person dies due to their injury, their surviving family members might be entitled to collect compensation for their loss and to cover funeral expenses.

There is a limit to what the PIP insurance will cover, as it will not cover non-economic expenses, such as pain and suffering and loss of quality of life. Make sure to keep meticulous notes on the expenses you have encountered from your accident so that your insurance provides you the amount you deserve. If the insurance is delaying paying your claim or attempting to dissuade you from the full amount for which you are entitled, a Red Bank car accident lawyer can help you.

What Does a Car Accident Lawyer Do?

New Jersey is a no-fault state, meaning that when you are in a car accident, you will be able to obtain compensation through your personal injury protection (PIP) coverage on your auto insurance. However, even though you are entitled to receive compensation through your insurance, that insurance does not always deliver or cover all of your expenses. That is why you should speak with a Red Bank car accident lawyer.

A car accident lawyer will help you explore your legal options after you are injured in a collision. A car accident lawyer will protect your rights and fight to get you the justice you deserve.

Why Do I Need a Car Accident Lawyer?

Hiring a lawyer is in your best interest following a car accident. They know the law and will advocate for you to get you the best possible results. Additionally, on average, those injured in car accidents receive over three times higher payouts than those without legal representation.

You are only able to collect compensation under certain circumstances, and your lawyer will know if you are eligible. A Red Bank car accident lawyer can help you determine if your injury rises to the level that will permit you to file a suit. They will help build your case to try to obtain a proper settlement for you.

How Much Can I Receive in a Car Accident Case?

There is no definitive answer when it comes to how much you can receive for a car accident, as every case is different. There are many factors that will influence your case, such as fault, your medical bills, and more. A car accident lawyer will be able to help you determine how much you are owed.

How Long Do I Have to Get a Lawyer After a Car Accident?

You should bring a lawyer on board as soon as possible so they can provide you with the advice and guidance you require to go through the process. They can help you in filing your claim with your insurance and discuss with you if there is a potential for filing any additional personal injury claims.

When Can I Sue After a Car Accident?

You need to be aware that New Jersey has a two-year statute of limitations on when a personal injury suit can be filed, which is why it is critical to get a lawyer as soon as possible after a serious collision. That limit starts on the day of the accident. A lawyer will be aware of that deadline and act accordingly.

Should I Get a Lawyer for a Car Accident That Was Not My Fault?

It is never a bad idea to hire a lawyer when you are involved in a serious car accident, especially if the collision was not your fault. Another driver, including the one who may be at fault, may attempt to file a claim against you, arguing that you are to blame for the accident.

With a Red Bank car accident lawyer on your side, they will answer any accusations levied against you through court appearances or court documents. In addition, if you can file your own suit against the liable driver, your lawyer will be able to help build your case. They will be able to help in several ways:

  • Obtain a police report that details how the accident occurred.
  • Speak with witnesses and gather testimony from them.
  • Use the help of expert testimony and accident reconstruction specialists.
  • Talk to your doctor and get your most recent medical records.

Can I Sue if I Was a Passenger in a Car Accident?

The negligent driver does not be someone in another car. If you were injured in a car accident when you were the passenger of a vehicle, you can file a personal injury lawsuit against the at-fault driver if it was their actions that led to the accident. A lawyer will explain your options to you and who you should be seeking a claim against.

What if I am Injured in a Truck Accident?

Truck accidents can cause devastating and debilitating injuries, owing to the sheer size and weight of these large vehicles. It is common for car occupants to suffer traumatic brain injuries, amputated limbs, or even death. Although the damage inflicted on a person can be increased, their options to obtain compensation for the accident are the same.

There is a difference as to who might be liable for the accident outside of the truck driver. Not all truck accidents are the fault of the driver, or the driver may share responsibility with other entities or individuals. For instance, if the trailer detaches from the cab and causes an accident, the fault could lie with the company that attached the trailer. If a truck drops its cargo on the road, the company that loaded the truck could be held liable.

If a driver is driving too aggressively or too drowsy behind the wheel, it could also be because they are pushing the limits on how long they need to be on the road. This desire could be because the company encourages such behavior, which would mean that the trucking company will bear some responsibility for any accident that occur from the driver’s actions.

Red Bank Car Accident Lawyers at Ellis Law Will Guide You Through Your Legal Options After a Collision

If you have been hurt in an accident involving a car or a truck, you should know that you may have legal options. Our Red Bank car accident lawyers at Ellis Law will help you with your case and fight to get you the results for which you are entitled. For a free consultation, call us at 732-308-0200 or complete our online form. We are located in Freehold, New Jersey, and we help clients throughout East Brunswick, Toms River, Middletown, Jersey City, Neptune, Hudson County, Union County, Essex County, Monmouth County, Marlboro, and Ocean County, as well as Brooklyn and New York City.