Have you been Injured in an Auto Accident?

We Represent You and Protect Your Rights.

If you have been injured in an auto accident in New Jersey, you need an attorney who understands and is knowledgeable about your rights as an auto accident victim.

Don’t Sign Anything Until You Speak To An Attorney!

Insurance companies representing persons at-fault for an accident will contact you, the injured party, and try to convince you to settle your claim immediately with them. Insurance companies routinely do this because they are able to settle the claim for a fraction of it’s total value.  That helps them and really hurts you!

Value of Your Claim

There are many factors that contribute to the value of your claim. For example, what would you do if an insurance company refused to pay your medical bills from a car accident? New Jersey law provides that accident victims may seek compensation for injuries they have suffered through the negligence of another party. This includes compensation for physical injuries, lost wages, medical expenses and other damages. That is why you should not settle with the insurance company directly.

Uninsured Motorist (UM) Accident

What is an uninsured motorist case?

A car accident with someone who has no insurance is considered an uninsured motorist case. An uninsured motorist case can arise in many ways. Maybe the person who hit you showed an insurance card to the police officer, but did not pay their premium so their insurance was canceled. Maybe the person driving the car which caused the accident was an excluded driver.  No matter how it happens, if there is no insurance on the at fault vehicle, you have an uninsured motorist case.

Your insurance company will take the place of the uninsured motorist

Many people believe that if they are in an accident with an uninsured motorist, they are unable to make a recovery. This is untrue. Your insurance company steps into the shoes of the uninsured motorist. As such, your insurance company is responsible for not only your medical bills and lost wages but also your pain and suffering as well as other damages caused by the uninsured motorist. But, do not expect that your insurance company will fairly compensate you simply because they are [your insurance company]. You should contact an attorney familiar with uninsured motorist cases to protect your interests.

What does uninsured motorist insurance cover?

Uninsured motorist insurance covers many circumstances.  If you are in an accident with an uninsured motorist or a hit and run vehicle, your uninsured motorist insurance will cover your claim. Most people think of uninsured motorist cases as involving two or more vehicles, your car and the uninsured motorist’s car. But uninsured motorist insurance covers many other circumstances.

Uninsured motorist insurance covers you if you are a pedestrian.

We represent many clients who are hit while they are pedestrians. It is common for a car to hit a pedestrian and then flee the scene. This becomes a hit and run accident. If you have your own car insurance and you are hit by an uninsured motorist, your insurance company will cover your injuries.

Uninsured motorist insurance covers you, your children and any family member living with you.

Even though the car insurance may be in your name, uninsured motorist coverage is much broader than you may think. Uninsured motorist insurance covers not only you, but any family member residing in your household. The reason for this is apparent from the following example. If your young son or daughter is hit by an uninsured motorist, they are not old enough to have their own car insurance which would cover them. Provided they live with you, your car insurance will provide uninsured motorist coverage to him or her. However, insurance policies do not limit uninsured motorist coverage to children. Insurance policies cover any family member living with you. To discuss whether uninsured motorist insurance applies to you or your family members, contact us for a free consultation.

What is a hit & run motorist case?

When someone causes an accident and flees the scene, or gives you fraudulent identification, you will have a hit and run case. A hit and run case is treated similarly to an uninsured motorist case. Many times, our clients or witnesses are able to get a license plate of the car which caused the accident. While this can be important, it is not necessary in order to present a claim for damages in a hit and run accident.

What should I do in a hit and run accident?

Like all accidents, you should properly document your accident. In a hit and run accident, you must make a police report within 24 hours. Failure to do so will likely result in your uninsured motorist claim being denied by your insurance company. If you have a license plate, allow the police to do their job. If they are able to identify the car, they will do so. You should also contact an attorney familiar with hit and run and uninsured motorist cases.

Your insurance company will take the place of the hit and run motorist

Many people believe that if they are in a hit and run accident, they are unable to make a recovery. This is untrue. Your insurance company steps into the shoes of the hit and run vehicle. As such, your insurance company is responsible for not only your medical bills and lost wages but also your pain and suffering as well as other damages caused by the hit and run vehicle. But, do not expect that your insurance company will fairly compensate you simply because they are your insurance company.

To protect your legal rights, call David today at 800-322-5529 for a FREE consultation.

Auto Injury Attorney

David A. DiBrigida, handles auto accident injury cases. He will evaluate the factors contributing to the value of your damages and personally handle your case from start to finish.

To protect your legal rights, call David today at 800-322-5529 for a FREE consultation.

Underinsured Motorist (UIM) Accident

What is an underinsured motorist case?

If the other driver does not have enough insurance to cover your injuries, you may have an underinsured motorist claim

In all states, there are minimum insurance limits in order to drive a car. In New Jersey, the minimum insurance limits are $15,000 per person. If you are in an accident with a driver who carries the state minimum insurance limits, it means that no matter how serious your injuries, no matter how high your medical bills or lost wages, the most the at fault driver’s insurance company has to pay is $15,000. Given the cost of medical care, many of our clients incur substantial bills which quickly approach the state minimum limits.

The importance of underinsured motorist coverage

If the other driver does not have enough insurance to cover your injuries, your insurance will cover the excess. Of course, you must have underinsured motorist limits greater than the person who caused the accident. If you also have the state minimum insurance, you will not have an underinsured motorist case. Your limits must be greater than the at fault driver. We always advise our clients to have higher insurance limits than are required by law. Usually, your underinsured motorist limits will be the same as your Liability Limits liability limits.

The important legal requirements for an underinsured motorist claim

There are many legal and technical requirements to present an underinsured motorist case. If you have a potential underinsured motorist case, it likely means your injuries are more serious than a simple muscle strain or muscle sprain. It is advisable to have an experienced personal injury lawyer handle your case. There are too many pitfalls which can hurt your case.