After an auto accident, obstacles including state insurance laws and time constraints are the last thing you should have to deal with.
The auto accident team at Anapol Schwartz can maximize your recovery even when it seems that the odds are against your situation. Below are the basics about auto accidents and insurance.
Pennsylvania and New Jersey are “choice no-fault” insurance state, which means a person injured in an auto accident should be compensated by his or her insurance company — up to the personal injury protection limit — regardless of who was at fault for the accident. In some situations, the insurance company is reluctant to pay injured victims what’s entitled to them.
Limited Tort Insurance Exceptions
Having limited tort insurance doesn’t prevent people from filing a lawsuit to recover certain expenses resulting from a crash that wasn’t their fault. An individual may still be able to obtain compensation for certain out-of-pocket expenses related to the accident, but limited tort restricts the right to sue for pain and suffering. There are a few limited tort insurance exceptions, however.
Uninsured and Underinsured Motorist Insurance Coverage
Motorists aren’t required to have uninsured motorist (UM) or underinsured motorist (UIM) coverage, but these options can protect a driver and passengers injured in an accident in which the at-fault driver has insufficient or no auto insurance.
Statute of Limitations
A statute of limitations gives a person a strict time limit to seek compensation for medical and repair costs, pain and suffering and other resulting expenses. There’s no time to waste, because important information and evidence about the accident can get lost with time.
The complexities of auto accident law can work against you and have financial consequences for years to come. Contact Anapol Schwartz today for a free legal evaluation if you were injured in an auto accident.