Dover Car Accident Lawyer

Claims for auto accidents are complex, even though these accidents are one of the most common causes of injuries. Proving someone else was directly to blame for your wreck is difficult, and the state’s unique “no-fault” system for auto insurance can restrict your right to file any kind of lawsuit.

Fortunately, guidance is available from the dependable personal injury attorneys at Garces, Grabler & LeBrocq, who have more than 30 years of experience handling cases like this proactively and effectively. With Dover car accident lawyers on your side, you can efficiently build the strongest possible claim and give yourself a fair shot at getting fair financial restitution for your crash-related damages.

Understanding Car Insurance Rules

Under state law, every vehicle owner must purchase liability insurance providing at least $15,000 coverage for one person’s bodily injury, $30,000 for all injuries, and $5,000 for all property damage from a single accident. Additionally, everyone must purchase personal injury protection (PIP) insurance, which provides coverage on a fault-free basis to the policyholder rather than being available solely to other people involved in a wreck.

Choosing a “Basic” insurance policy or a “Standard” policy with a “Limited Right to Sue” means cheaper monthly premiums, but the injured person cannot file suit for crash-related losses not already covered by PIP unless they sustain a very serious injury or meet a few other qualifying criteria. There are no restrictions on an injured person’s right to seek compensation with a Dover car accident attorney’s help after a wreck on a “Standard” policy with an “Unlimited Right to Sue.”

Recovering Fairly Within Filing Deadlines

When an injured party has standing to file suit after getting hurt in a car crash caused by another person’s negligence, they can demand compensation for every negative effect of the accident, including short-term and long-term forms of harm like:

• Car repair or replacement costs not covered by insurance
• Medical expenses not already covered by insurance, including expected future costs of rehabilitative care and assistive equipment
• Lost work income, benefits, and long-term earning capacity
• Physical discomfort and pain
• Emotional anguish and trauma
• Lost quality and enjoyment of life

Injured people cannot be compensated twice for the same losses through both an insurance claim and a personal injury lawsuit. They must file their lawsuit no more than two years after initially sustaining an injury, or else the statute of limitations explained in New Jersey Revised Statutes § 2A:14-2 will likely bar them from ever suing over that particular incident. A car crash lawyer in Dover could ensure a lawsuit is filed before the deadline.

Consider Working with a Dover Car Accident Attorney

Getting in a traffic collision is always an upsetting experience, and it can sometimes be a life-altering one if it leads to you suffering a serious injury. Demanding the financial restitution you deserve after being hurt can be challenging, especially if you try to do it alone.

Representation from a knowledgeable Dover car accident lawyer can make a world of difference in how well you can understand and enforce your rights under the law. Call Garces, Grabler & LeBrocq today for a consultation.