Car accidents in New Jersey are all too common, but dealing with the aftermath is anything but normal. You can’t do the things you used to do or move the way you used to move. You don’t feel like you anymore. As you work toward physical recovery, you need someone you can trust with you every step of the way, advocating for your well-being. You need someone who will make sure the careless actions of another driver won’t drag you down financially.
At Console & Associates, P.C., our New Jersey car accident lawyers are dedicated to helping you get your life back on track, just as we have for thousands of clients throughout the state. Since 1994, our personal injury attorneys in New Jersey have helped injury victims get the justice and compensation they deserve.
There’s no warning – just a jarring impact that nothing could have braced you for. And it’s not just the physical impact of the collision. It’s the way that impact spreads through your life, your physical and emotional health, and your family’s well-being. No matter how hard you try to pretend otherwise – to walk it off, to stay positive – things are different now.
But that’s not a reason to lose hope. If the aftermath of a car accident is one of the most difficult times of your life, you need help like you’ve never needed it before.
Our injury lawyers can offer you the help – and the hope – you need right now, with no risk and no upfront cost.
– and it is an important one – but it doesn’t mean resigning yourself to some fate you can’t control. Retaining legal representation is a way for you to take back control of your life after an accident.
Our New Jersey car accident legal team is dedicated to helping you with every aspect of your claim. We’ll work hard to ensure you get the maximum settlement possible for your case. Some of the ways we can help with your car accident claim include:
At Console and Associates, P.C., we have an outstanding record of success, regularly recovering maximum compensation for car accident victims like you over our 25 years of practice. With thousands of satisfied clients throughout NJ – North, South, and Central – and more than $100 million recovered, we have the skills to win your case and the results to prove it. In addition, our attorneys’ intelligence and integrity have earned them regional and national recognition in the legal community and beyond.
Our New Jersey car accident lawyers handle every motor vehicle accident claim on a no-win, no-fee basis. That’s our No Fee Promise. We receive a percentage of the settlement, and if the claim is not successful, you pay nothing for attorneys’ fees.
Additionally, at Console and Associates, P.C., we advance thousands of dollars in costs for each of our client’s claims – and, for cases that are far into the litigation phase, up to tens of thousands of dollars. We’re happy to take on this burden so that our clients have the opportunity to get justice, no matter what their current financial situation is.
Fortunately, you never have to worry about coming up with the money for these expenses when you have the New Jersey car accident lawyers at Console and Associates on your side.
Proven results are the single most important factor you need to consider when you choose a law firm – and we’ve got the results you’re looking for, including numerous six-figure settlements and jury awards, including:
Unfortunately, there’s no simple settlement calculator where you can plug in a few numbers and come up with a dollar amount. How much your car accident case is worth depends on a number of factors, some of which you have no control over. The best way to determine how much your case is worth is by speaking with an experienced attorney.
At Console & Associates, P.C., we will use the details of your case to help you get a better idea of how much your case is worth.
Your damages encompass all of the harms that have resulted from your accident. There are two types of damages recognized in the legal world: economic and non-economic.
Economic damages: are any damages you can put a numeric, quantifiable price on, including:
Non-economic damages: are damages that aren’t associated with a straightforward dollar amount, such as:
Several factors impact the value of your New Jersey car accident case, including:
After a car accident in New Jersey, our injury lawyers can explain how the details of your case may impact the overall value of your settlement.
Liability means that someone is legally at fault or responsible for the accident. Generally, to pursue a car accident claim in New Jersey, you must be able to prove that the other party is the one at fault for the collision. However, determining fault isn’t always a simple matter. Often, multiple factors contribute to a crash.
At times, more than one driver may be partially at fault for the collision. Under New Jersey’s comparative negligence law, you don’t have the grounds for a claim if you are more than 50 percent at fault for the collision. However, you may still be eligible to pursue some compensation if you are determined to share 50 percent – or less – of responsibility for the crash. If you are partially at fault for the collision, your compensation will be reduced by the amount you are at fault.
Proving liability for the crash requires a thorough investigation. At Console & Associates, P.C, our car accident lawyers will conduct a separate and thorough investigation with your interests at the forefront.
Under the state’s no-fault law, you’re the one responsible for your own medical bills – not the driver who caused the crash.
No-fault laws don’t mean that no one is at fault. Instead, no-fault laws require the insurance company of each person injured in the accident to pay for their own policyholder’s medical costs, regardless of fault.
No-fault insurance coverage allows you to get your medical claim set up faster, so you aren’t waiting for the insurance companies to decide who is at fault before you can start getting your medical bills paid.
Basic and standard auto insurance policies sold in New Jersey must comply with the no-fault law. This means they must include a section of coverage known as personal injury protection or PIP. New Jersey PIP insurance covers your medical bills after a crash.
When you buy auto insurance, you purchase an amount of PIP coverage. PIP only covers your medical costs up to the limits of your policy. Most drivers on a standard policy purchase $250,000 in PIP coverage, according to the official New Jersey Auto Insurance Buyer’s Guide. However, some drivers reduce their PIP coverage to as low as $15,000 to save on their premium costs.
When you purchase auto insurance, you also select whether PIP or your health insurance is the primary policy that will cover your medical expenses. It’s always best to choose PIP as primary. This is because once you exhaust your limited PIP coverage, your health insurance has to pay for your medical care. If you select health insurance as primary, all of the PIP coverage you purchased goes to waste because you can never use it. Further, health insurance tends to charge higher deductibles, co-pays, and coinsurance than auto insurers are allowed to charge, and the health insurance company may limit you to a specific network of doctors.
In New Jersey, your PIP coverage is responsible for your medical expenses, including:
You probably don’t know offhand what selections you made on your auto insurance, and you may not fully understand these choices. Our car accident attorneys can interpret your insurance policy for you and help you understand what you’re benefits entitled to through your own policy, as well as what compensation you deserve from the other driver’s policy.
The insurance company isn’t on your side – not by a long shot. On the contrary, the insurer’s goals directly oppose yours from the get-go. In fact, almost 30 percent of people – not just car accident victims, but people over a wide range of demographic data and life experiences – reported that they had been taken advantage of by an insurance company.
At Console & Associates, P.C, our New Jersey car accident lawyers can help you with various issues when dealing with the insurance company after a crash. We’ll ensure you are treated fairly and get the compensation you deserve.
Insurance companies deny genuine claims for all sorts of questionable reasons. Therefore, perseverance is a must when dealing with an insurance company. Some of the most common reasons the insurance company may deny your claim include:
You do not have to accept a denial. Our car accident legal team will insist that insurers treat you fairly and call them on any behaviors that constitute bad faith to policyholders or unlawful treatment of claimants. We will fight for your rights and refuse to back down.
If you’re getting the runaround, constantly being told that you must fill out new forms, or waiting increasingly longer times for return phone calls, it might not be your imagination. The insurance company is, perhaps deliberately, delaying your claim.
Insurance companies make money off of the premiums they charge their policyholders, so it may come as no surprise that these companies are reluctant to pay out claims like yours. Additionally, insurers invest that money they collect from policyholders to keep their profits growing. So just holding onto that money a little longer benefits the insurance company.
At Console & Associates, P.C., our car accident lawyers will ensure the insurer doesn’t delay your claim and cause you to postpone medical care or fall behind on bills. We know how to deal with the insurance company and fight for your rights at every stage.
Faced with the certainty that the claimant deserves a large settlement and is likely to get it, the insurance company may do an about-face and pressure the claimant to accept a settlement offer right away instead of dragging out a claim.
Getting your money fast sounds great, at first. However, you need adequate compensation to move forward with your life after an accident. Often, these offers come long before you have finished your medical treatment.
When you accept a lowball insurance settlement, you sign away your right to pursue compensation for the accident in the future. So before you accept a settlement from the insurance company, speak with our New Jersey car accident lawyers to make sure you protect your ability to recover the compensation you need for recovery.
There are several things you should not do when dealing with the insurance company after an accident.
Most New Jersey car accident claims settle out of court. However, you may need to go to trial if you cannot reach a settlement with the insurance company. Fortunately, according to the federal Bureau of Justice Statistics, 65% of plaintiffs in car accident cases prevail over the defendants they sue in court.
If your only experience with the courtroom is through the trials that appear on television and in movies, it’s no wonder that you are hesitant to put yourself and your family through this ordeal. Trials seem chaotic, risky, and nerve-wracking.
At Console & Associates, P.C, our car accident lawyers prepare your case as though it is going to trial from the start. Additionally, we will give you straightforward advice on pursuing your claim in court. But, ultimately, the decision to go to court is yours as the plaintiff.
A common concern drivers have is that they will inadvertently cause their auto insurance rates to increase by filing a claim arising from one accident. When you get into what’s called a “chargeable” accident – generally, a crash in which you were at fault – the insurance company may choose to raise your premiums. This is true whether or not someone involved in that accident pursues a claim.
If the other driver was at fault for the accident, your premium rates shouldn’t increase. If a driver does see a rate increase resulting from a chargeable accident, filing a claim won’t have any bearing on this rate increase.
A lawyer represents you and advocates for your best interests. Additionally, lawyers get their clients more money – a lot more. Statistically, the difference amounts to, on average, 3.5 times what unrepresented claimants get for themselves in a settlement negotiation.
Your attorney also saves you time and the hassle of dealing with the back and forth with the insurance company. Therefore, in many New Jersey car accident cases, it is worth it to hire a lawyer.
It’s never too soon after an accident to take the first step of speaking with a lawyer. Even if you have not reported the car accident, it’s never too early to learn about your options. Additionally, you can call a lawyer at any time during your case for help.
Getting compensation for your claim is a process. It takes time, in part, because you don’t want to agree to a settlement amount until you are far enough along in your recovery to know how much your medical treatment will cost you and how much work you are likely to miss.
How quickly you can expect a settlement depends on the facts of your case:
Your actions can affect the success of any personal injury claim you may pursue. Here are some of the things you definitely shouldn’t do after a car accident:
We’ve seen firsthand what a difference it makes to families affected by a car accident to have help, support, and a reason to believe that things will get better, even in the most challenging moments. Our New Jersey car accident attorneys are here to help provide that support as we serve as your partners in your pursuit of the compensation you deserve.
Your case evaluation is free, no matter what. If you choose to move forward with a claim, there’s no cost until we get results. So there really is no risk.
Give us the chance to help you. All it takes is a phone call. Call (866) 806-3125 for your free, private consultation.
1 Holtec Drive, #100
Marlton, NJ 08053
494 Broad St #208b
Newark, NJ 07102