New Jersey Accident Laws That Protect You

Common New Jersey Accident Laws That are Meant to Protect Citizens

After car accidents occur, many accident victims make the assumption that the responsible driver’s policy will protect them and pay for medical expenses. Unfortunately, this is not always true in New Jersey, which is classified as a no-fault state. If you are involved in a motor vehicle accident in New Jersey, you should not hesitate to speak with an accident attorney who can inform you of what laws protect you and make sure that you receive compensation for your injuries.

What No-Fault Laws Mean

One of the reasons why states developed no-fault insurance laws in which each driver’s insurance policy covers medical expenses is to decrease the number of lawsuits that occur after accidents. No-fault insurance laws protect medical providers, as well, because they are able to provide medical care to accident victims without making a determination of how someone was harmed in an accident.

Personal Injury Protection

In New Jersey, all drivers are required to obtain Personal Injury Protection coverage, which pays for medical expenses after an accident occurs. While there is a minimum amount of insurance that each driver in New Jersey is required to carry, drivers in New Jersey can also increase the amount of insurance coverage. There are several important ways in which Personal Injury Protection protects those who are injured in accidents:

• Personal Injury Protection covers injuries for the passengers of vehicles. This means that if a person was injured while riding in someone else’s car, this person’s Personal Injury Protection will cover their injuries.
• Coverage under Personal Injury Protection applies to people that are related to the owner of a vehicle. As a result, if a person is injured and not an owner of a vehicle with Personal Injury Protection coverage, the injured person will still be covered by Personal Injury Protection if they are related through blood or marriage with the person who owns the vehicle and has Personal Injury Protection coverage.
• If the accident victim is a pedestrian, there is a state fund that pays for medical bills. This fund also provides coverage to accident victims who are harmed in hit and runs as well as accident victims who are struck by drivers who are not adequately insured.

New Jersey’s Good Samaritan Law

In accident situations, providing care to a victim does not always proceed smoothly. Instead, people who do not have adequate medical training can sometimes cause more damage than good. Fortunately, the New Jersey Good Samaritan law was created to protect people who voluntarily attempt to give medical assistance and end up harming someone. This body of law also gives accident victims who are harmed by negligent, reckless, or intentional medical care as a method to pursue legal action.

Speak with a Skilled Accident Attorney

If you or a loved one is harmed in a car accident, it is critical to remember that there are laws that enable you to seek compensation from the at-fault party. Contact Ferrara & Gable today to speak with an attorney who understands the rights of accident victims and who will remain committed to fighting for the results you deserve. Schedule a free case evaluation today.