Why Should I Hire a Local New Jersey Car Accident Attorney? 

Engaging a local New Jersey car accident attorney is imperative for residents facing the repercussions of an automobile collision. A locally based lawyer offers invaluable expertise about New Jersey’s specific legal landscape, as well as familiarity with the local community, enabling a more nuanced representation of your case. They can also skillfully navigate conversations with insurance companies, ensuring that you receive the compensation you rightfully deserve. 

What is the Statute of Limitations for Automobile Accidents in New Jersey? 

The statute of limitations for filing a car accident claim in New Jersey is six years. Failure to file within this period may result in a forfeiture of your right to legal remedy. 

Which Standard of Negligence is Applied in New Jersey? 

New Jersey employs a Modified Comparative Negligence standard, as delineated in N.J.S. § 2A:15-5.1. Under this system, a plaintiff can only recover damages if their share of negligence is less than the collective negligence of all defendants involved. Any awarded damages will be reduced by the percentage of fault attributed to the plaintiff, provided that their fault does not exceed 50%. 

Is New Jersey a Fault or No-Fault State? 

New Jersey operates under a “Choice No-Fault” system. This means you have the option to choose between a no-fault insurance policy and a traditional tort liability policy when you register your vehicle. 

What Are New Jersey’s Automobile Insurance Requirements? 

Insurance policies in New Jersey come in two forms: Standard and Basic. The Standard Policy typically includes a minimum bodily injury liability of $15,000 per person and $30,000 per accident, alongside property damage liability coverage with a minimum amount of $5,000 per accident. Personal Injury Protection (PIP) coverage is also required, with a minimum limit of $15,000. On the other hand, the Basic Policy offers less coverage and is generally less expensive. The choice between the two policies also affects your right to sue for non-economic damages, with different limitations on lawsuit options. 

What are the Insurance Requirements for Rental Cars in New Jersey? 

New Jersey law does not offer specific guidelines related to rental car insurance. However, N.J. Stat. § 45:21-2 does require rental companies to have liability coverage. In situations where both the rental agreement and the renter’s insurance policy contain excess insurance clauses, both will share the loss up to the legal minimums and pro-rata thereafter, as per the ruling in Ambrosio v. Affordable Auto Rental, 704 A.2d 572 (N.J. 1998). 

What Reporting Guidelines Must Be Followed After an Accident in New Jersey? 

Accidents involving injury, death, or property damage exceeding $500 must be reported to the authorities. If the police do not arrive on the scene and only property damage has occurred, you are required to submit a written report to your local Motor Vehicle Commission (MVC) Agency within 10 days. Immediate notification to your insurance provider is also mandatory. 

What Steps Should Be Taken at the Scene of the Accident? 

After an accident, it’s crucial to collect comprehensive information from all involved parties. This includes names, addresses, phone numbers, driver’s license numbers, vehicle information, and insurance details. If witnesses are present, their contact information should also be gathered. Additionally, noting the time, weather, and road conditions can aid in future legal processes. 

How Are Liability Decisions Made in New Jersey? 

Liability in New Jersey car accidents is determined by a multitude of factors, including provided evidence and applicable state laws. A claimant must substantiate their case with credible evidence to demonstrate that another party’s negligence contributed to the accident. If the evidence is compelling, a settlement may be offered, or legal proceedings may ensue. The ultimate decision on liability and compensation will be made by either a judge or jury.