What You Need to Know About Car Insurance in NJ

In the state of New Jersey, you are required to have auto insurance for your vehicles. This ensures that, in the case of an accident, you are financially taken care of. New Jersey is also one of 13 jersey-city-lawyer-car-insurancestates that Personal Injury Protection is required. Personal Injury Protection, or PIP, is a type of coverage that will pay for any bills related to the injuries you sustained in your accident, regardless of which vehicle was at fault. Learn more about PIP here.

When it comes to car insurance, it’s great to know you will not be financially devastated if an accident occurs. But, depending on your car insurance situation, you might already have lost more money than you should have. If you believe your insurance company did not compensate you what you deserved after an accident in Jersey City, you need an experienced car accident attorney on your side.

After an Auto Accident

If you’ve been in an auto accident recently, you have probably spoken to your insurance company. If your vehicle was totaled in the accident, your insurance company probably covered the cost of a new one. The way it determines how much your car is worth is to look at a similar vehicle. What insurance adjusters don’t always tell you though is it might be comparing yours to a car with much higher mileage. Mileage is one of the main factors in determining the value of a vehicle. So the insurance company may have given you a lowball offer for a vehicle you should have been compensated much more for.  No matter what you think, your accident case is worth much more than the settlement you were offered.

Here are some other unethical tactics car insurance companies might employ:

  • Asking for a recorded or written statement about your accident. Everything you say to an adjuster can be taken out of context and used against you.
  • Telling you that you don’t need a lawyer. If you were injured in a car accident, even if it’s your fault, always contact a lawyer.
  • Bullying you into signing a statement. No matter what, let them know you have a lawyer and these tactics will not work.

Call a Personal Injury Attorney Now

If you believe your insurance company has done something underhanded, like not compensate you properly after an accident or injury, you may have a case against them. Contact experienced personal injury attorney Anthony Carbone for a free consultation. Together, you will work towards finally receiving what you are owed.