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…

Most people in New Jersey cannot even imagine life without a car.  Two popular ride-sharing services, Uber and Lyft, have gotten some people to reconsider whether they really need a car.  In 2013, the average cost of owning a car in America, according to AAA, was about $9,000.00 .  Surely that number has gone up in the six years since. One college student reported saving a substantial amount of money by selling his car and using Uber all the time for his transportation needs.  According to a 2018 internet trends report by venture capital firm Kleiner Perkins Caufield Byers, taking an Uber could be cheaper than owning a car in the cities of New York City, Los Angeles, Washington D.C., and Chicago. Uber and Lyft…

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…

Thousands of people living in America sustain injuries due to accidents that involve slipping on something and falling each year. If you have had a similar experience, you need to be aware of the rights you have due to the circumstances of the situation. If you fell and are now suffering from extensive injuries, know that you are not the only one who has been in this situation before. Many of the people that visit emergency rooms and urgent care centers do so because they slipped on something, fell directly to the ground, and ended up getting hurt.  Many of the injuries sustained in slip-and-fall accidents are serious enough to cause death. Roughly 16,000 people will die from slip and…

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…