Auto Accidents Blog
How Your Car Insurance Policy Affects Car Accident Injury Compensation
June 15, 2019
Auto Accident Injury Attorney in Somerville, New Jersey
New Jersey car insurance policies operate on a “no fault” basis, meaning anytime a person is injured in a car accident, they are able to turn to their own car insurance provider for compensation for damages like medical expenses and lost wages, regardless of who was at fault for the accident.
However, many drivers opt for the minimum coverage level of $15,000, and for the serious injuries that can easily result from a car accident, this number is often insufficient. When this is the case, the injured driver may instead need to file a car accident injury claim with the insurance company of the other driver, given they believe the other driver was at fault for the accident.
Brian J. Levine is a seasoned personal injury attorney who is Certified by the New Jersey Supreme Court as a Civil Trial Attorney. With his extensive knowledge and resources, Mr. Levine has achieved millions of dollars in verdicts and settlements on behalf of clients for over 30 years.
Recovering Compensation: Limited Right vs Unlimited Right to Sue
When it becomes necessary to recover compensation for your car accident injuries from the insurance company of another driver, one the most important factors for your ability to even file such a claim is whether or not you chose a “limited right to sue” policy, or an “unlimited right to sue” insurance policy.
Here is what you need to know when it comes to making this extremely important choice, and what your decision means in terms of your ability to recover compensation for your damages in the event of a car accident injury.
Choosing Your Car Insurance Policy Can Mean Everything
When choosing between the limited right to sue and unlimited right to sue option, most insurance companies will not clearly explain the distinction between the two, and simply tell you that a limited policy saves you money.
While this may be true in terms of your monthly car insurance bill, in the event that you are injured in a car accident, a limited right to sue policy can be extremely limiting when it comes to your ability to recover compensation for your damages. If and when your own insurance policy is insufficient for covering your damages, and it becomes necessary to seek compensation from the insurance company of the driver who caused your accident, a limited right to sue policy means that you can only do so in the event that your car accident resulted in:
- Permanent Injuries
- Dismemberment, Disfigurement, or Serious Scarring
- Displaced Fracture(s)
- Loss of a fetus
Non-permanent Injuries not Covered Under Limited Right to Sue Policies
While this may seem fairly comprehensive, consider the fact that many car accident injuries can result in severe injuries in the short to medium term, but which are not permanent. For example, car accidents can easily cause spinal cord damage, requiring extensive medical treatment and rehabilitation. However, if those spinal cord injuries are not permanent, you most likely will not be able to recover financial compensation for any damages your own insurance policy does not cover if you have chosen a limited right to sue policy since those same injuries are not permanent.
On the other hand, an unlimited right to sue policy, while more expensive, will allow you to seek financial compensation in the event of any kind of injury, not only those listed above.
Importance of Experienced Attorney in an Accident or Injury Claim
If you currently have limited right to sue coverage, and have suffered an injury listed above or a family member has suffered a wrongful death, or if you have been injured in a car accident and have an unlimited right to sue policy, one of the most important things you can do is speak with an experienced attorney in order to better understanding your options moving forward, and ultimately secure the compensation that you need and deserve for your injuries.
Somerset County Car Accident Injury Attorney Recovers Compensation
Attorney Brian J. Levine has successfully recovered over $7.5 million in settlements and verdicts in the last three years alone, and he is ready to put his knowledgeable, effective, and attentive legal service to work for you today. We do not shuffle cases among several lawyers, we take your case personally, and our representation reflects this commitment to delivering superior results. At The Law Office of Brian Levine, you are the priority.
We have extensive experience helping clients injured in all manner of motor vehicle accidents to recover full and fair financial compensation in towns across Somerset County and Hunterdon County, including Somerville, Bridgewater, Hillsborough, and North Plainfield.
If you or a loved one has been injured in a car accident, truck accident, or motorcycle accident, contact our Somerville, NJ office at (908) 243-0111 today to discuss your unique situation, and how we can help you, in a free and confidential consultation today.