Car Accident Lawyer in Union County

New Jersey Car Accident Laws

In New Jersey, car accident laws are in place to help accident victims receive fair compensation and promote road safety. The state uses a no-fault insurance system, which means every driver's own insurance generally covers their medical expenses, regardless of who caused the crash. This simplifies claims for medical treatment, though it may restrict your ability to sue for non-medical damages unless specific conditions are met. Drivers must carry at least $15,000 in personal injury protection (PIP) as part of their auto insurance, which includes coverage for medical costs and lost wages, among other things.

However, New Jersey also allows drivers to opt for a verbal threshold or limited tort option, which restricts their ability to file lawsuits for pain and suffering unless they suffer serious injuries such as dismemberment, permanent disability, or significant scarring. On the other hand, drivers who choose the full tort option can sue for pain and suffering without these restrictions. In either case, a driver can seek compensation from the at-fault party if the accident involves clear negligence or if the at-fault driver was underinsured or uninsured.

In New Jersey, the law also requires drivers involved in accidents to report the incident to the New Jersey Motor Vehicle Commission (MVC), especially if there are injuries or property damage exceeding $500. This report must typically be filed within 10 days of the accident. If a driver is found to be at fault in an accident, they may face legal consequences such as fines, license suspension, or even criminal charges if reckless driving or driving under the influence (DUI) was involved.

Does New Jersey Have Comparative Negligence?

New Jersey uses a comparative negligence rule. If more than one driver is at fault, damages are divided according to each party’s share of the blame. For example, if you're 30% responsible for a crash, your total compensation will be reduced by that percentage. You can recover damages if you are less than 50% at fault.

Car Accident Claim Statute of Limitations in New Jersey

In New Jersey, the statute of limitations for car accident lawsuits is generally two years from the date of the accident. If you miss this window, you lose the right to pursue your claim through the courts. It’s vital to consult a car accident attorney in Union County quickly to avoid missing important deadlines.

What to Do After a Car Accident in Union County

Being involved in a car accident can be overwhelming. Taking the right steps at the scene protects your interests and safety. 

Steps to take include:

1. Move to safety: Start by making sure everyone is safe and, if possible, move vehicles out of active lanes and use hazard lights. 
2. Call 911: Always call law enforcement, even for minor collisions. Police reports are crucial evidence for insurance and legal proceedings. 
3. Document the scene: Use your phone to take photos of vehicles, damage, street signs, and conditions at the scene.
4. Gather information: Exchange complete information with all parties, including names, insurance, and contact details. 
5. Avoid admitting fault: Do not admit fault, as determining liability is complex and should be handled professionally. 
6. Report the accident: Report the incident to your insurance company right away, then contact a vehicle accident lawyer in Union County to discuss your rights and options. 

At Law Office of Michael Chelland, we help you make secure, informed decisions at every critical moment to protect both your health and your financial future.