It only took three seconds to happen. The impact was so hard, so fast, and so loud you did not even realize that the car accident happened. You remember thinking, “oh no,” and then everything just went blank.
Now your life has changed.
If you have been involved in a car accident that has led to injuries, you may face many issues in your life for which you were unprepared. Lost income due to missed work, mounting medical care costs, and the overall suffering from the injuries can quickly become overwhelming. It is because of these reasons that victims of an accident have the right to claim compensation against the responsible party.
When you have been injured in an accident, it is essential to speak with an Edison car accident lawyer. Having an attorney manage your case can eliminate many of the hardships that you face when trying to deal with the insurance company to cover your losses. Your attorney has the knowledge and experience to help you settle your case at a full and fair value.
You did not know that your life was going to change in just an instant of time. When you were in your vehicle, you had many other things on your mind. Now all you can think about is your injuries and the financial stress from your accident. The stress may even be slowing down the healing process.
It is time to TAKE ACTION and speak with an Edison car accident lawyer today.
The Problems With Insurance Companies
Car insurance companies may claim that they always have your interests in mind. They place countless advertisements on TV, online, and on billboards saying how they are the best at giving you protection. That is until you make a claim. When it comes to claims, many insurance companies “forget” why they are in business.
An insurance company sells policies that guarantee protection to clients in the event of an accident. At the same time, these companies are in business for one reason – to make money. When they pay out on a claim, it hurts their profits. This is what often leads to insurance companies acting in Bad Faith.
Bad Faith is described as when insurers do one or more of the following:
- Act in ways that are deceptive or elusive so that they can justify denying a claim
- Willingly misinterpret the terms of their policy so that they can deny coverage or significantly reduce a claim
- Purposefully misinterpret information and records about the accident or medical care or injuries so that they can deny or reduce coverage
- Make unreasonable requests for proof of losses or ridiculous discovery requests that are impossible to complete
- Purposefully delay processing the claim so that the claimant suffers unreasonably
- Failing to implement procedures to conduct an investigation so that the case is denied
- Coercing or using abusive tactics to force the injured party into accepting a reduced claim or accepting a denial
- Continuing to make low-ball settlement offers in an effort to cut their losses instead of honoring the terms of their policies and state law to provide a complete and full settlement of your losses
Sadly, these acts of Bad Faith are all too familiar in the insurance industry. For insurance companies, these actions are profitable. For those who are injured, these actions are deplorable. They add to the suffering already being experienced by the victim and can cause injuries to delay healing due to denied medical care, and financial hardships to escalate.
SCHEDULE A FREE CONSULTATION with a car accident lawyer about your rights to demand compensation for your losses. Your attorney will represent you to the insurance companies and make sure that they comply with the terms of their policies and state regulations when managing your case.
Common Forms of Compensation Our Edison Car Accident LAwyers Fihght For
There are several types of compensation that you may be qualified for as a car accident victim. Your Edison car accident lawyer will discuss with you the different types of claims that you can make based on your specific case. Your attorney may seek compensation for you under one or more of the following types of compensation:
Current and Future Medical Care Costs
All car accident claims will include medical care costs. This will include all of the expenses associated with your medical care relating to your injuries. If you need medical care in the future, your attorney will include these expenses in your compensation package as well. If you have had to buy any over-the-counter medication, supplies, or devices based on doctor recommendations, your attorney will include these expenses as part of your medical care compensation.
Lost Wages and Benefits
Any wages that you lost due to the accident will be covered by the settlement. This will also include any employer-paid benefits. If your employer contributes to your retirement, health care, or if they pay profit sharing that you have lost as a result of missing work, your Edison car accident lawyer will seek repayment from the responsible party.
Future Earning Capacity
When injuries change your ability to work, you have the right to claim your lost future earnings. This type of compensation is only available to people who cannot return to their current position because they can no longer perform those duties. Even if you can return to work at only part-time or less or to a different position with less pay, your attorney will seek the differences in your pay. This is calculated on your age now compared to retirement age and the differences that you will experience in income.
Disability or Disfigurement
Disability or disfigurement applies to cases with catastrophic injuries that significantly change the life or lifestyle of the injured party. This does not apply to every case. However, if this does apply to your case, your Edison car accident lawyer will discuss this form of compensation with you during your INITIAL CONSULTATION.
Cost of Services
Your injuries may cause you to have to pay for services that you usually do around your home. This could include lawn care, auto maintenance, home care, cooking, child or elderly care, or even walking the dog. If you have had to pay for services that you usually complete yourself, your attorney is going to seek compensation for your losses.
Additionally, if you have had to make renovations to your home or adjustments to your vehicle to accommodate your injury, you are entitled to receive compensation for these expenses.
When you were in the car accident, you may have suffered some additional personal losses. Broken eyeglasses, damaged dental work or dentures, broken or damaged items within your vehicle are all included in this type of compensation.
Pain and Suffering
Pain and suffering are unique to each case. Every accident and injury are different, and every person experiences those events in different ways.
Your Edison car accident attorney will base the amount of your compensation on the exact facts of your case.
They will take into consideration information from your care providers, industry information relating to that type f injury and accident, and personal information given by you.
Your attorney will discuss this type of compensation with you during one of your meetings.
Loss of Consortium
If your injuries change the way that you can interact with your spouse, even for a limited time, you are entitled to seek damages for this loss. Your Edison car accident attorney may also file a separate lawsuit on behalf of your spouse for these same losses.
Punitive damages are reserved for special cases where the court feels that the responsible party should be “punished” for their actions. This is usually reserved for special cases where the actions of the responsible party were considered “willful” or “malicious.”
Drunk driving accidents often have punitive damages attached.
In recent cases, many distracted driving accidents have also had punitive damages applied. Your attorney will discuss with you if this type of compensation applies to your case.
There may be additional forms of compensation that you are entitled to under New Jersey law or the terms of the insurance policy. Your Edison car accident lawyer will discuss the compensation package with you in its entirety.
If a car accident leads to death or the injuries received ultimately lead to death, New Jersey state law considers this a Wrongful Death. Certain surviving family members can seek compensation for their financial losses when wrongful death occurs. This type of compensation is intended to help these family members overcome any financial hardship that they suffer from the loss of their loved one.
If you have lost your loved one as a result of an accident, speak with an Edison car accident attorney about your right to file a wrongful death lawsuit. Your attorney will represent the surviving family members through this difficult time so that the family can concentrate on the healing process instead of legal issues.
Speak To An Edison Car Accident Attorney Today
We are a contingency based law firm that aggressively represents clients who have been injured by the negligence of another person. This means that there is NEVER A FEE UNLESS WE WIN.
NO OBLIGATION FREE CONSULTATION. We know that you have questions about your accident. We understand that the insurance process is overwhelming and purposefully made confusing. We know that you are already burdened from this accident financially, so we make sure that you get the answers you want for FREE.
Those three seconds when the accident occurred changed your life. It is the responsibility of the negligent party to cover your expenses and losses that are a result of their actions.
Schedule a FREE CASE EVALUATION and discover all the answers to your questions about your case. Call 833-323-4448 today. Visit our Cherry Hill NJ Office.