Car Insurance Policy Affects Your Legal Right To Recover

Aug 11, 2021
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Welcome to Berggren & Turturice Law, your trusted source for expert legal assistance in New Jersey. We understand the intricacies of car insurance policies and how they can influence your rights when it comes to recovering from a car accident. In this comprehensive guide, we will explore the various aspects of your car insurance policy and its impact on your legal rights.

Understanding Your Car Insurance Policy

Before diving into the details surrounding the impact of your car insurance policy on your legal rights, it's important to have a clear understanding of the policy itself. Your car insurance policy is a legally binding contract between you and your insurance company. It outlines the terms and conditions of coverage, including the extent of protection, premiums, and deductibles.

Insurance policies can vary significantly depending on the insurer and the plan you choose. It's crucial to carefully review your policy and familiarize yourself with the specific terms and provisions within it.

Car Insurance Policy and Legal Rights in New Jersey

In the state of New Jersey, car insurance policies play a vital role in determining your legal rights, especially in car accident cases. New Jersey follows a no-fault insurance system, which means that in most cases, each driver's own insurance company covers their medical expenses, regardless of who caused the accident.

However, it's important to note that the no-fault insurance system does not completely eliminate the concept of legal liability in car accidents. Under certain circumstances, you may still have the right to pursue a legal claim against the at-fault party.

Types of Car Insurance Coverage and Legal Rights

The specific type of car insurance coverage you have can significantly impact your legal rights after a car accident. Here are some key types of coverage to consider:

1. Personal Injury Protection (PIP) Coverage

Pip coverage is mandatory in New Jersey and provides benefits for medical expenses, lost wages, and essential services. Your PIP coverage might impact your ability to file a personal injury lawsuit against the at-fault driver, depending on the severity of your injuries and medical expenses incurred.

2. Bodily Injury Liability Coverage

This coverage comes into play when you are at fault for an accident and injure someone else. It helps cover the other party's medical expenses, lost wages, and other damages. Having higher limits for bodily injury liability coverage can offer added protection in case of a lawsuit.

3. Uninsured/Underinsured Motorist (UM/UIM) Coverage

UM/UIM coverage protects you if you're involved in an accident with a driver who doesn't have sufficient insurance coverage to compensate you for damages. This coverage ensures that you have recourse to pursue compensation even if the at-fault party doesn't have enough insurance.

The Role of Legal Representation

When dealing with complex car insurance policies and their impact on legal rights, it is highly recommended to seek professional legal representation. Consulting with an experienced car accident attorney can help you navigate through the intricacies of your insurance policy and ensure that your rights are protected.

At Berggren & Turturice Law, we specialize in car accident cases and insurance disputes. Our team of dedicated attorneys has extensive knowledge and experience in handling insurance claims and protecting the rights of our clients. We understand the nuances of New Jersey's insurance laws and can provide you with expert guidance tailored to your specific case.

Contact Us for Expert Legal Advice

If you have any questions regarding your car insurance policy and how it affects your legal rights after a car accident in New Jersey, don't hesitate to reach out to us. Our knowledgeable team at Berggren & Turturice Law is here to provide you with reliable information and expert legal advice.

Don't let the complexities of insurance policies and legal processes overwhelm you. Contact Berggren & Turturice Law today to schedule a consultation and ensure that your rights are protected.

Disclaimer: The content provided here is for informational purposes only and should not be considered legal advice. Please consult with a licensed attorney for professional advice tailored to your individual situation.

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