How does auto insurance work?
If you are ever involved in a car accident, having the right insurance could be critical to surviving the financial hardships that an auto accident could bring to you and your family. Having the right insurance will protect your property, help with the repair or replacement of your car, and protect your well-being by assuring […]
Basic v. Standard Policy
A basic policy is a very limited policy and provides only the very minimum insurance coverage for NJ Law. The basic policy includes a $15,000.00 limit in personal injury protection, which means if you were in an accident, your insurance company is only required to pay up to the $15,000.00 for your medical bills. There […]
Why should you not disclose information to the insurance company?
Auto insurance companies are generally not on your side. If you are a victim of a motor vehicle accident and plan to seek compensation under the other driver’s insurance policy, then your own insurance company could be a powerful ally. In this instance, you will need to show that the other driver was at fault […]
Avoiding Motorcycle Accidents
Riding motorcycles poses greater risks of injury than driving cars. Most accidents are caused by a small group of contributing factors that can be avoided if the motorcyclist takes simple steps to ensure their safety. Here are basic recommendations and general principles for motorcycle safety. Following these recommendations can help you avoid future accidents. They […]
I’ve been Injured in a Pedestrian Accident—What Should I Do?
For pedestrians involved in an accident, there may be a lot of confusion on what they should do. On top of the physical pain from injuries sustained, there’s the emotional turmoil that inevitably arises—the fear from not knowing what will happen and the confusion from not knowing what to do. We understand the sense of […]
What can a Pedestrian do to avoid accidents? — Do’s and Don’ts for Pedestrians
As a pedestrian, taking certain precautions not only reduces the likelihood of accidents, but increases the odds of a successful claim should an accident occur. Here is a helpful guide that will outline steps you can take to prevent being involved in an accident. Do: Cross at marked crosswalks and intersections. This may sound like […]
How can an ERISA plan affect my settlement?
What is an ERISA plan? An ERISA plan is provided as a result of the Employee Retirement Income Security Act of 1974. The ERISA law ensures standard protection for individuals that are covered through these types of insurance policies, which are typically found in employer-funded plans. While there are many other provisions in the law, […]
Car Accident Risks of Daylight Savings Time
Did you know there is an increase in car crashes within the first few days of the Daylight Savings Time change? Many debate the value of Daylight Savings Time. While it was originally implemented as a way to maximize productivity during daylight hours (helping to save money on electric bills) it leaves many of us weary, […]
Auto Insurance Adjuster – Friend or Foe?
When talking to an insurance adjuster, be careful. An auto insurance adjuster will likely be among the key people you encounter after a car accident. When you are the victim of an accident, you may be inclined to seek out someone friendly and compassionate to help you and guide you through a difficult time. It […]
Does New Jersey Auto Insurance Cover Crashes With Animals?
Does your auto insurance cover crashes with animals? Thankfully, springtime fast approaching. Spring in New Jersey is a hotbed for animals in heat, making them more active and aggressive during the spring months. This increase in activity can be directly linked to an increase in crashes with animals on the road. And it isn’t limited […]
