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.