You’ve been in a wreck, and you’ve been injured. Can you sue the at-fault driver? Maybe. It all depends upon how you set up your auto accident insurance in most situations.
New Jersey is a no-fault motor vehicle accident and insurance state. If you do not already know, this means that you must work with your insurer when seeking compensation for accident injuries.
What else does being a no-fault insurance state mean?
In some ways, the no-fault system comes with several rewards. For example, payments covering your medical expenses typically arrive quickly. However, the no-fault system can limit your right to pursue a lawsuit if you make the wrong choice when setting up your insurance policy.
You have two options when purchasing auto insurance in our state. You can choose a basic policy or a standard policy. Both options may limit your right to sue. For example, a basic policy offers less coverage and prohibits you from suing unless the motor vehicle accident caused permanent injuries.
The standard policy may also limit your right to sue, but you get to choose when you buy your policy. If you select the “limited right to sue” option, you may not initiate a lawsuit unless permanently injured. If you choose the “unlimited right to sue” option, you may sue the other driver for pain and suffering damages in the wake of severe injuries.
Insurance laws in New Jersey are extraordinarily complicated. We recommend learning more about accident and injury compensation laws before purchasing auto insurance. Knowledge of these laws can also improve your odds of getting the maximum amount of compensation for the harm you suffered in a motor vehicle accident.