Jersey City Fender Bender Attorney
If you are searching for a Jersey City Fender Bender Attorney, please contact our office today for a free consultation to discuss your case.
Hire an Experienced Fender Bender Attorney in Jersey City
A minor car accident is often referred to as a fender bender. The fender is the curved cover which goes over the wheel well to protect it from dirt and water. If someone lightly drives their vehicle into the back of another car, their fender will likely get bent or damaged. Although, a fender bender can technically refer to any minor car accident or collision which involves two or more different vehicles. It doesn’t necessarily have to involve the fender itself.
Most fender bender accidents only result in the fender and/or rear bumper being lightly dented. A lot of people in these situations tend to disregard this minor damage by not filing a claim with their insurance company, especially if they have a high deductible on their insurance plan. However, there can also be fender bender accidents where the car damage is quite severe and will require repairs to be made. In these cases, an insurance claim should be filed so that these expenses can be covered.
If a fender bender accident causes an injury to you or any of your passengers, then you will want to do more than just file an insurance claim. You will also want to contact an attorney who specializes in fender bender accidents in New Jersey. Your insurance company might pay some money toward your medical bills, but you may require more compensation if your injury is too severe. Either way, you should at least contact an attorney if you were involved in a fender bender accident. Then you will know which legal path that you can take in your given situation.
At the Bhatt Law Group, we specialize in handling injury cases that stem from all types of car accidents. Contact us today to discuss your case.
Insurance Company Requirements
If you are involved in a minor fender bender in Jersey City that does no significant damage to your vehicle, you may be required to notify your insurance company about it. Even if you are not filing a claim over the accident, your insurance policy might still require you to notify the insurance provider of any accidents that happen with your vehicle. Otherwise, you might lose your insurance coverage with the provider if they discover that you did not notify them.
Sometimes a fender bender may cause no apparent damage on the outside, but there may be internal damage that won’t be discovered until a later date. If your insurance company discovers this internal damage and then asks you about it, this is how they will discover the accident that you covered up. They could also find out if the other driver’s insurance company contacts your insurance company and inquires about it. Therefore, you should contact your insurance company right after you contact the police.
New Jersey Law
If you get into a fender bender accident in New Jersey, the law requires that you file a police report whenever someone involved in the accident is injured or killed. If there are no injuries or deaths, you will only need to file a police report if there was over $500 in property damage because of the accident. Since fender benders typically cause less than $500 in property damage, then you won’t need to file a police report in these cases.
Filing a police report doesn’t mean that you must personally go down to the police department. All it takes is a simple phone call to file a report. In fact, it is preferred that you call your local police department immediately following the accident. Most people carry cell phones on them these days, so this should not be too difficult for you to do. If you don’t have a cell phone, then you have up to 10 days to notify the police about the accident. If you fail to do this, then you could be subjected to a big fine and the suspension of your driver’s license.
Hiring a Jersey City Fender Bender Attorney
Legally speaking, you are permitted to hire an attorney whenever you suffer any type of injury or property damage from a fender bender. Even if the side of your fender was merely scraped or dented, you have the legal right to seek damages against the driver who caused those damages. Just make sure you have already filed a police report and an insurance claim before hiring an attorney in Jersey City. This allows the attorney to review all the official legal information regarding the incident.
You may think that relying on your insurance company to seek damages on your behalf is the best way to go. Unfortunately, insurance companies do not really like to pursue big legal cases where fender benders are concerned. They might negotiate a deal for a settlement with the other driver’s insurance company, but it might not be enough compensation for your needs. Plus, if your insurance company feels like you caused the accident, they will deny your claim and then you won’t receive any compensation at all.
When you hire an attorney in New Jersey, you are hiring a legal expert who is going to go the extra mile to fight for the compensation that you deserve. They will work with your insurance company to negotiate for better compensation on your behalf. Insurance companies will often look for any way to pay as little as possible on your claim. So, if you think that you’re being ripped off by them, hire an attorney who knows the laws surrounding minor accidents and insurance compensation. They will make sure you get the compensation you’re entitled to.
Lawsuits Related to Fender Benders
Fender bender cases in New Jersey will rarely reach the point where someone will want to file a lawsuit. Unless there was a severe injury or death, the insurance companies are usually able to work out a settlement that will be fair for everybody. But if you have expensive medical bills or property damage that was not fully paid by your insurance provider, you could file a lawsuit against the other driver to seek damages.
Be aware that New Jersey requires you to file this lawsuit within 2 years after the accident. If an attorney thinks you have a good case, they will provide their services upfront for free. They will only be paid if they are able to get compensation for you.
Call us at (201) 798-8000 if you have been involved in a Fender Bender in Jersey City. We’ll provide you with a free consultation to discuss your options.