Car accidents frequently happen throughout Newark. The New Jersey Department of Transportation statistics shows Essex County had over 30,000 car crashes in 2019 alone. Unfortunately, many people who don’t abide by state laws for insurance drive on the road every day. However, you can still win a settlement that can pay for your damages.
New Jersey as a whole follows a no-fault law when it comes to car accidents. So while you are limited in your legal options, recovering compensation isn’t impossible. Let an uninsured car accident lawyer in Newark help you today.
Understanding No-Fault Insurance Laws
No-fault auto insurance requires that each party involved in a car accident file a claim with their own insurance company. By this principle, you don’t have to worry about an uninsured driver hitting you since you’re not going to file a claim against their insurance company.
New Jersey is one of the few states in the U.S. that require no-fault insurance for all drivers. However, there are times where you can step outside of the no-fault laws and file a claim for additional compensation against the negligent driver responsible for your accident.
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What Are My Options After a Car Accident Caused By an Uninsured Driver?
If you have sustained damages beyond the scope of what your insurance can cover, then you can file a third-party claim against the negligent driver under state law. Keep in mind. You have to fit the criteria to do so.
When you file a third-party claim, you have to prove negligence. This is important because you can only file your claim if you’re less than 50% responsible for your accident. To prove that, you need to establish the negligence of the other driver with evidence. Even then, if you can file, it may not guarantee you anything.
For example, let’s say your car accident with an uninsured driver resulted in severe injuries, paralysis, and disfigurement. In this case, it may be possible to file a claim against them. However, you need to remember that it’s possible they don’t have insurance because they don’t have money. If that’s the case, then filing a lawsuit may be pointless for getting you compensation.
How Can an Uninsured Car Accident Lawyer in Newark Help Me?
After learning all this, you may wonder why you would even need the assistance of a lawyer, to begin with. Remember, you can still file a claim for compensation with your own insurance company. However, even though it’s your own insurance company, that doesn’t mean they will blindly trust you.
When you file a claim, an uninsured car accident attorney in Newark can help you by:
- Gathering evidence related to your car accident.
- Consulting with experts and talking to witnesses to get their testimony.
- Assist you in calculating your damages accurately.
- Take your case to trial if necessary.
- Representing you and your best interests at all times.
Whether third-party or with your own insurance company, filing a claim isn’t an easy task, especially while you recover from your injuries, while you rest and heal, let us handle all of the legal work involved.
What Damages Can I Be Compensated for After a Car Accident in Newark?
There are several damages you can compensate for after an uninsured driver causes your accident. Our Newark uninsured car accident attorneys will ensure that you get a settlement that accurately reflects them.
Medical bills aren’t cheap in Newark. Just one night in a hospital can cost several thousands of dollars. A single visit to the emergency room is enough to put you under serious financial strain. You shouldn’t get punished financially for getting quality medical care for an accident that wasn’t your fault. You can get your medical expenses compensated in your settlement.
Vehicle Repairs or Replacement
A car accident can leave your car in desperate need of repair. In severe car accidents, you may need to replace your vehicle entirely. You can repair your vehicle or get it replaced at the expense of the insurance company.
While you recover from your car accident injuries, your job won’t pay you for all the time you took off to heal. You can factor all of the lost wages from your absence at work into your settlement and receive compensation for them.
Non-economic damages refer to damages you can sustain after a car accident that don’t have fixed values. These damages consist of:
- Pain and suffering
- Mental anguish
- Wrongful death
- Loss of consortium
- Loss of enjoyment of life
While money can’t replace everything you’ve lost as a result of a car accident, we hope that it can get you closure and the financial security to move forward. Even if an uninsured motorist hits you, our lawyers can look at every aspect of your case and help you understand the legal options available to you.
Never Accept the First Settlement Offer You Receive
All insurance companies, whether it be yours or a third party, only look out for themselves. Never accept the first settlement offer from anyone. If the uninsured driver tries to offer you quick cash for the accident they caused, never accept it.
The same goes for your own insurance policy. They may try to work against you and offer you a fast settlement for your damages. If anything looks too good to be true, it is. Never accept any deal or offer made by anyone until you speak with one of our uninsured car accident lawyers first.
Get a Free Consultation Today
The Newark uninsured car accident lawyers at the Morelli Law Firm offer free case reviews and consultations. There is no risk or obligation when you reach out to us for help. With millions recovered for our clients and overwhelmingly positive client testimonials, you can trust us to fight hard for you. Contact us today to schedule an appointment.