Important Advice for Selecting Car Insurance Coverage

At The Law Offices of Vincent J. Ciecka, P.C., part of our job as South Jersey’s leading personal injury lawyers is to help victims of car accidents, many of whom sustained life-altering injuries through no fault of their own, pursue and recover damages to help cover their medical expenses. We all know how high those bills can climb over time, even for treating a relatively minor injury. Getting caught “holding the bag” because the other driver won’t pay can make an already stressful situation even worse.

We consider it part of our duty to educate the public, arming New Jersey drivers with knowledge they can use to protect themselves from the negative ripple effects of an accident. It’s crucial to make the right decisions regarding car insurance coverage.

Our recommendations are included in this brief slideshow video:

We also suggest choosing at least 100/300 for your Bodily Injury Liability and Uninsured Motorist coverage, which means a $100,000 maximum for one person in an accident and $300,000 maximum for one entire accident.

A recent New Jersey Supreme Court decision regarding Personal Injury Protection coverage is cause for concern. The Court ruled that if an individual selects our state’s PIP minimum ($15,000), then they’re injured in an accident and their medical bills exceed that amount – a common occurrence – they cannot recover any damages beyond the $15,000.

We believe drivers should be made whole after someone else’s negligence causes them harm. We support a bill currently before the New Jersey legislature – S2432 – that would allow injured motorists to collect more than $15,000 in medical expenses, even if they don’t have the maximum PIP coverage of $250,000.

You can take action on this issue. We encourage our clients to email State Senator Stephen Sweeney (sensweeney@njleg.org) and ask him to support the passing of the S2432 bill.

The law should be there to help innocent victims in their time of need, not serve as a roadblock to restoring their quality of life. If you have any questions on this issue or car insurance coverage in general, please call our Camden County personal injury lawyers today.

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