Does it Matter? Yes, it matters.  Most people in the United States are required by law to maintain insurance on their vehicles. Why? The simple answer is that accidents happen and people get injured in those accidents. When they do, insurance helps cover these costs. You may have heard the term “no-fault insurance.” What does this mean? If there’s “no fault,” what do you have to go to court for? If I live in a state with mandatory car insurance, does it matter if it is a “no-fault state”?  As we will see below, the answer is yes. States With No-Fault Insurance Laws New Jersey is a “no-fault state.” No fault insurance coverage is also known as Personal Injury Protection or…

Motor Vehicle Accident Statistics Have you ever been involved in a car accident? Most Americans will be at some point. In fact, experts who analyze car insurance statistics found that motorists will experience about four car accidents throughout their lifetime.  Why is this statistic so high? What’s causing all these accidents to happen, and who is responsible for the financial fallout? Get all the details below.  What Causes Car Accidents? The majority of accidents are directly caused by human error. After all, do you know any perfect drivers? All of us make mistakes from time to time. Here are some of the top causes of car accidents:  Driving while impairedDistracted drivingReckless drivingSpeedingDrowsy drivingNight-time drivingPoor road conditionsWeatherDefectively designed vehiclesFailure to perform…

Although drivers throughout the United States are supposed to have some sort of automobile insurance before getting behind the wheel and sharing the road with others, there are some drivers that choose not to follow the rules. If you get into an accident that was caused by an uninsured driver, you might not know what to do. Nearly one out of every six people that gets behind the wheel to drive is doing so without having any automobile insurance. Those individuals are taking a gamble while assuming that they are not going to get into any accidents. What Can You Do? Upon getting into a car accident with an uninsured motorist, you may be suffering from multiple injuries and dealing…

Is it possible to have enough insurance to cover any type of foreseeable accident? After all, the entire point of having insurance is to help cover the expenses of an unexpected crash. In most situations, an at-fault driver’s insurance policy will fully cover a victim’s expenses, but the situation becomes complex when there are multiple victims and severe injuries. All insurance policies have a limit on the amount of coverage they will provide. Sometimes, this amount simply isn’t enough. What are the options for an injured victim when the at-fault driver’s insurance coverage has been exhausted? What is Underinsured Coverage? When motorists purchase insurance, they have the option to purchase underinsured coverage. This coverage will provide compensation to you in…

Reckless drivers pose a significant risk of danger to others on the road. In fact, the United States Department of Transportation reported that, of the 47,402 car accident-related fatalities that occurred in the United States in 2016, 24,861 fatalities were due to the reckless driving exhibited by at least one of the parties involved in the crashes. For this reason, it is important that you are kept apprised of the signs of reckless driving so that you can try to avoid these kinds of drivers on the road, and thereby avoid a potential catastrophic collision. You can spot reckless drivers by observing and determining whether they exhibit one or more of the driving behaviors listed below. New Jersey Drivers Speeding Reckless…