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The Law Firm of Gold, Albanese, Barletti & Locascio, LLC

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    732-936-9901
  • Morristown, NJ
    973-326-9099
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Is Workers’ Compensation Insurance Required In New Jersey? | The Law Firm of Gold, Albanese, Barletti & Locascio, LLC

Is Workers’ Compensation Insurance Required In New Jersey?

According to the U.S Bureau of Labor Statistics, millions of Americans will get injured on the job each year. If you have been injured or became ill as a result of your job, you could be entitled to workers’ compensation benefits under the New Jersey law.

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance will protect the employee in case of a medical emergency that occurred while the employee was working. Injuries could include:

• Disability
• Bodily injuries
• Death
• Illness caused by working

Workers’ compensation insurance will hold the employer accountable in case any of these situations happen to their employees.

Is Workers’ Compensation Insurance Required in New Jersey?

Under New Jersey law, it is required that employers provide workers’ compensation insurance for their employees. Contact us if your employer does not have a workers’ compensation insurance policy.

Self-Insurance

Self-insurance can be obtained through applying and getting approved by the Commissioner of the Department of Banking and Insurance. In order to get approved, it is based on the financial capability of your employer and whether they can meet certain obligations under the law.

One thing to remember is that only employees are covered under New Jersey’s Workers’ Compensation laws, and anyone that works independently, such as contractors would not be able to file a workers’ compensation claim. The only individuals that would be considered exempt from workers’ compensation insurance would be:

• Unpaid interns
• Unpaid volunteers
• Sole proprietors with no employees
• Independent contractors

Businesses that are limited liability, partnerships, corporations, or even hire part-time workers will still need to provide their employees with workers’ compensation insurance.

What Happens If Your Employer Doesn’t Have Workers’ Compensation Insurance?

Any New Jersey employer who fails to provide workers’ compensation insurance to their employees could face major consequences. Employers can be faced with 4th-degree criminal charges and would have to pay fines of up to $5,000 for the first 10 days and up to $5,000 for each day after the 10 day period of time.

Injured workers whose employer has failed to provide workers’ compensation insurance also have the option to receive medical and temporary disability benefits from the Uninsured Employers Fund. This process can be difficult to handle on your own, and our experienced attorneys could help properly file the claim.

What If Your Employer Has Coverage But Refuses To Report Your Injury?

If your employer does provide workers’ compensation insurance but refuses to report your injury, you can try reaching out to your insurance carrier yourself. The insurer’s name and contact information should be located on your company’s proof of insurance notification. This is required to be present in the workplace.

Workers’ Compensation Benefits

Workers’ compensation benefits will be available for any employee that has been injured or gotten sick on the job. Depending on the type of injuries sustained will determine the exact type of benefits the employee will receive. Benefits can include

• Medical benefits
• Temporary total disability benefits
• Permanent partial disability benefits
• Wrongful death benefits

In order to obtain these benefits, it is crucial that the employee who was injured or ill report to their employer immediately. All it would take is a verbal statement about what happened to any supervisor or higher authority.

Contact Our New Jersey Workers’ Compensation Lawyers Today

If you have been injured at work and are not insured, or your employer refuses to report your workplace injury, contact our worker’s compensation lawyers as soon as possible. We can help you get your claim heard, and the compensation that you deserve. For more information or questions on workers’ compensation, visit our frequently asked questions page.

Contact Gold, Albanese, Barletti & Locascio, LLC

Whether you’ve been injured at work, in an automobile accident, or due to medical malpractice – you deserve justice and fair compensation for your injuries. Since 1997, the personal injury attorneys of Gold, Albanese, Barletti & Locascio have established a legacy of justice for our clients. We will work tirelessly on your behalf to get maximum compensation for your injuries. There are no upfront legal fees and we don’t get paid unless you win your case.

Our firm is licensed and admitted to municipal, state, federal and appellate courts, including the U.S. Supreme Court. Since 1997, we have helped thousands of clients and established a track record of success across a wide array of legal practice areas.

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Should I Get a Lawyer for a Car Accident That Was My Fault? | The Law Firm of Gold, Albanese, Barletti & Locascio, LLC

Should I Get a Lawyer for a Car Accident That Was My Fault?

If you were involved in a car accident and you were clearly at fault, it is important to know what you should and shouldn’t do, because taking the wrong actions can cost you money and cause extra hassle that can be avoided. Hiring a motor vehicle accident lawyer after a car accident that was your fault is a good first step, before speaking to the insurance companies. Lawyers know how to deal with insurance companies and can help mitigate any claims that are made against you by the other parties involved in the accident.

What You Should Do After You Think You Caused a Car Accident

If you think (or know for sure) that you caused an accident to occur, try to stay calm. There are steps you should do after a car accident whether or not you were at fault, and you should stay focused to ensure you do (or don’t do) certain things.

There are a few things to keep in mind following a car accident. First, never leave the scene of an accident. You could be turning a bad situation into a much worse situation that may involve criminal charges. At the bare minimum, you should exchange insurance information with the other parties involved in the accident. If there is some degree of property damage or a person has been hurt, you are expected to call the police. While you wait for the authorities to arrive, it is best to keep to yourself and avoid saying anything that could make the situation worse for you. Don’t admit fault or apologize, even if you suspect you were the cause of the accident. It’s understandable to feel nervous and shaken under the circumstances but you should avoid the following:

  • Discussing what you were doing prior to the crash
  • Talking about who you think was to blame
  • Apologizing or making any statements that may indicate you were at fault
  • Asking the other driver questions to try to determine whether they made a mistake as well

Insurance Options

After a car accident, it is important to understand the insurance options. Certain states have different options when it comes to insurance claims for car accidents.

No Fault

There are several states that have no fault insurance laws which means that every driver has their own car insurance, and you will make a claim with your own insurance company whether or not you were at fault. No-fault coverage should provide benefits for your medical bills and lost wages whether you were at fault or not. New Jersey is a no fault insurance state.

Fault-Based

In a fault-based state, you will file an insurance claim with the company that covers the at-fault driver. That driver’s policy should provide benefits for an accident victim’s medical costs and other losses. New Jersey is not a fault based state, so this is likely not going to affect you unless you were in an accident out of state.

Personal Injury Protection (PIP) Insurance

This is an extension of car insurance that covers medical expenses. If you were injured in a car accident, regardless of fault, unless it’s indicated that your health insurance is primary, medical treatment should be paid through your auto insurance via personal injury protection (PIP) coverage.

Talk to an Experienced NJ Car Accident Attorney Today

If you were involved in a car accident where you are at fault, it is in your best interest to have a lawyer on your side. The NJ car accident lawyers at Gold, Albanese, Barletti & Locascio, LLC are here to help. Contact us today for a free consultation.

Contact Gold, Albanese, Barletti & Locascio, LLC

Whether you’ve been injured at work, in an automobile accident, or due to medical malpractice – you deserve justice and fair compensation for your injuries. Since 1997, the personal injury attorneys of Gold, Albanese, Barletti & Locascio have established a legacy of justice for our clients. We will work tirelessly on your behalf to get maximum compensation for your injuries. There are no upfront legal fees and we don’t get paid unless you win your case.

Our firm is licensed and admitted to municipal, state, federal and appellate courts, including the U.S. Supreme Court. Since 1997, we have helped thousands of clients and established a track record of success across a wide array of legal practice areas.

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Schedule A Free Consultation

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Red Bank NJ Office

211 Broad Street Suite 207, Red Bank, NJ 07701
732-936-9901
732-936-9904

Morristown NJ Office

48 South St, Morristown, NJ 07960
973-326-9099
973-326-9841

Schedule A Consultation

Since 1997, Gold, Albanese, Barletti & Locascio, L.L.C. has helped thousands of clients across a wide variety of legal practice areas, including personal injury, motor vehicle accidents, workers’ compensation, and more. Contact us today to schedule a free consultation regarding your legal matter.

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Red Bank NJ Office

211 Broad Street Suite 207, Red Bank, NJ 07701
732-936-9901
732-936-9904

Morristown NJ Office

48 South St, Morristown, NJ 07960
973-326-9099
973-326-9841

Primary Practice Areas

  • Personal Injury
  • Car Accidents
  • Workers’ Compensation
  • Wrongful Death

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