Being injured as a passenger in a car accident can be traumatic and confusing — you may not know which insurance company will pay your medical bills, and if you have suffered serious injury, you may be apprehensive about how you will pay for the care you may need in the future. It is essential to hire a car accident lawyer who will protect your rights and help you file a claim with the correct insurance company. At Gold, Albanese, Barletti & Locascio, LLC, our skilled legal team has extensive experience in handling all types of car accident cases and can guide you every step of the way.
In New Jersey, passengers who are injured in motor vehicle accidents may be able to seek compensation for damages from the negligent party, but there are a number of factors that must taken into consideration when it comes to passenger injury claims, including who pays for medical coverage, who can be sued and what types of damages may be pursued in a lawsuit.
Filing Insurance Claims
First, check to see if your health insurance will pay for injuries sustained as a passenger in a car accident. Some policies exclude it altogether or offer lower coverage in such instances. Regardless of who was at fault for the accident, a passenger’s own Personal Injury Protection (PIP) insurance provides coverage for medical treatment, lost wages and death benefits. PIP insurance does have limits, and any medical treatment or lost income that reaches beyond your policy limit will not be covered. An experienced car accident lawyer will review all available insurance coverage and determine whether the passenger can utilize his or her medical insurance along with PIP insurance coverage as well.
Personal Injury Claims
If you do not own a car or your accident-related expenses are not covered by your PIP insurance, it may be in your best interest to file a personal injury claim against the at-fault driver. A skilled car accident lawyer will review the facts of the case and all available insurance policies and advise you on the most effective course of action to take. If a reasonable settlement cannot be reached, your attorney may end up pursing a personal injury lawsuit in court.
Whether you have been injured or have lost a loved one as a passenger in an accident, our experienced car accident lawyer at Gold, Albanese, Barletti & Locascio, LLC, can help you make sense of the claims process and work to ensure you get the compensation you deserve. Contact us online or call 732-936-9901 for a free initial consultation. Se habla español.