In New Jersey, understanding PIP coverage is essential, as it might be required to protect yourself when you need medical coverage. To illustrate how, consider this: the worst has happened: you are in a car accident. You need immediate medical attention. The first thought that races through your mind is that question you always ask when you’re hurt: will your insurance decline to cover your immediate injuries. The reality is that several of us are injured behind the wheel. We often do not understand the complex laws surrounding personal injury to fully understand your rights.
Most specifically, when dealing with Personal Injury Protection Coverage – or PIP – we do not know for sure how it can help us in the event of a worst-case scenario. You might have heard of No Fault or At Fault accidents. While on the outside these can sound drastically different, it might be hard to determine what damages can count as a No Fault claim as opposed to what an At Fault claim is.
All of these concepts might sound complicated, but in practice they are far more straight forward than you might believe. If you are unsure whether your insurance will cover you or if you have to fight for damages, let us shed light on both concepts, when both apply, and how to get the money you need to recover after an accident.
If you are a fan of police or legal procedural shows, you might be shocked by the New Jersey legal system’s lack of familiar criminal jargon. The state of New Jersey does not have “felony” or “misdemeanor” charges. Rather, it incorporates the term Common Disorderly Persons Offenses as a substitute for criminal misdemeanors. These are further broken down into two sub-categories: regular Common Disorderly Persons Offenses and Common Petty Disorderly Persons Offenses.
If you are a New Jersey citizen, you need to know what these disorderly persons offenses are – or at least the most common, popular ones. What do you, as a citizen of the state, need to know about these?
Personal injury cases can be traumatic. The money you receive for damages during a personal injury suit can both pay for medical charges and generate monetary compensation for the emotional trauma. While vehicular accidents and medical mishaps are painful, fewer things are worse than when man’s best friend turns on you and draws blood in a vicious attack. However, when pursuing a personal injury suit over a Dog Bite, you can’t sue the animal for money. The dog can’t pay for personal damages. So, what can you do in situations like these?
Fox and Falcon, a well-established bar and restaurant located in South Orange, New Jersey, has filed suit against Connecticut-based Hartford Insurance for failing to pay on the business interruption insurance under its policy. Following NJ Governor Murphy's stay-at-home order on March 2020, Fox and Falcon owners notified Hanover Insurance of its claim for business interruption. Fox and Falcon had paid Hartford Insurance for years for their insurance, waiting for a moment like this when they'd need that money most. The stay-at-home order resulted in the total closure of Fox and Falcon, leaving them without any income. In response to their request, however, Harford Insurance issued a blanket denial without conducting any investigation. In their statement, they claimed that since no physical damage occurred to property, Harford Insurance would not provide coverage.
Be Careful to Bring A Lawsuit in Time For Personal Injuries
A person has a limited amount of time to sue for personal injuries. The Statute of Limitations is a law that sets forth the time period by which a lawsuit must be filed. If a plaintiff (the person filing the suit) fails to file the lawsuit within the defined period of time, then the plaintiff will likely be barred from pursuing the case further.
New Jersey law has various statutes that govern how long you have to file a lawsuit. The time limits within which one must file a lawsuit can be found in various statutes, including, but not limited to, the New Jersey Statutes Annotated (N.J.S.A.) at N.J.S.A. 2A:14 and N.J.S.A. 2A:31 (wrongful death actions).
The loss of a loved one in a sudden and unexpected accident is a difficult event to experience and cope with. Whether the unexpected death occurred in an automobile collision, was due to a defective product or the result of dangerous property conditions, family members should understand how the incident occurred and if another party is to blame. If this is the case and a negligent party is at fault, family members have recourse through a civil action.
Construction defects can hurt a wide range of structures from homes, condominiums, apartment complexes and businesses. If faulty construction leads to accidents, injuries or property damage, an experienced personal injury attorney can explain the compensation you are entitled to.
Parents and other caregivers are right to assume that children will, inevitably, get hurt while playing. These injuries, however, should not be caused by unsafe or dangerous playgrounds. Contact our firm to discuss your situation through a free initial consultation.
Contrary to any rumors you may have heard, there is "no free dog bite" in New Jersey. New Jersey dog owners have "strict liability" when it comes to dog bite injuries caused by their dogs. To translate this legalese into plain English: just by virtue of owning a dog, they may be held responsible for injuries and losses to dog bite victims.