The state of New Jersey requires all drivers to obtain personal injury protection coverage through an auto insurance provider, but it’s important to understand what type of coverage and rights you have in the event of an accident. When you sign up for insurance, carefully read your policy and look for the limits of your coverage. If you choose a “Full Tort” policy, then your premiums will likely be higher. The benefit of this option is that you maintain the right to sue a driver in an accident for medical damages as well as pain and suffering. When you choose a “Limited Tort” policy, you forfeit your legal right to sue the driver for pain and suffering. You can still pursue…

If you have recently been injured in a car accident that you believe is tied to another party’s drowsy driving, this could be a critical element of establishing liability so that you can recover as much compensation as you can for the injuries you have sustained. Unfortunately, the National Highway Traffic Safety Administration shares that drowsy driving is a widespread epidemic across motorists all over the country. In 2013, more than 44,000 injuries, 800 deaths, and 72,000 accidents were tied to drowsy driving. Drowsy driving may also be referred to as driver fatigue and this can happen in any situation in which a driver is too sleepy to operate a motor vehicle and therefore puts themselves and others at risk of…

In our modern digital age, it is increasingly accepted and even encouraged to share a wide range of personal information and opinions online. An individual’s online presence and digital footprint have become so significant that it’s often scrutinized by potential employers, colleges you’ve applied to, your insurance provider, marketing groups and even credit score agencies. The majority of the public is either accepting of this fact, or they are willfully ignorant about the potential dangers of forfeiting their right to privacy. One of the most crucial periods of time to maintain a high level of privacy is when you are fighting a legal battle in court. Anything you post on social media, whether restricted to a “friends-only” list or not,…

Statistically, August is the most dangerous month to drive according to the National Highway Traffic Safety Administration. The group also concludes that Saturday is the most dangerous day of the week. While many different issues contribute to road safety levels, the most impactful factor is the overall number of drivers on the road. Most motor vehicle accidents happen when people are driving home from work in rush hour traffic between 3 p.m. and 6 p.m. Research has consistently proven that the most dangerous times to drive include periods of increased traffic, times when road conditions are poor and during special events. Holidays and sports events are considered a much more dangerous time to be on the road because of the…

Hundreds of thousands of car accident injuries occur in the United States every year, ranging from minor bumps and bruises to catastrophic injuries that result in permanent disabilities or even death. While car accidents can cause a wide range of injuries, the National Highway Traffic Safety Administration (NHTSA) ranks the following injuries in the “top five,” based on data collected and analyzed by the federal government every year. Head and brain injuries: One-third of all head and brain injuries in the U.S. every year result from car accidents, according to the CDC. Brain injuries like concussions can cause harm even if no external damage is present. Spinal cord injuries: Damage to the spinal cord can cause loss of feeling or…