Avvo Rating | 10.0 | John Morelli | Top Attorney 10 Best | 2016-2017 | 2 years | Client satisfaction | American Institute Of Personal Injury Attorneys
Law Offices of John Morelli
A Personal Injury Firm Serving All Of South Jersey

A Car Accident Can Be Emotionally Devastating

Immediately after being involved in a car accident, things change drastically. In addition to the physical pain, your life has just been turned upside down. From the immediate problem of how to get home from the scene (assuming that you are not leaving in an ambulance) to wondering "Where do I get my car fixed?" and "How do I go about doing it all?" the aftermath of an accident takes an emotional toll on you.

Handling Repairs

When your car has been damaged as a result of someone else's negligence, your entire life has been interrupted. People rely on their cars, and without a vehicle, your life is not the same. The process of getting a replacement vehicle and finding out whether you have coverage for that kind of replacement vehicle is a headache in and of itself. The fact that you must go to a body shop and take time away from your schedule and your life to do this further disrupts your life.

There are two ways to handle the repair of your vehicle. If you have collision coverage on your policy, you can use that collision coverage and go through your own insurance company to have the damage repaired. The problem with that approach is that you will then be responsible for the deductible on your policy. In New Jersey, this typically means that you have to shell out $500 to $1,000 to have your own vehicle repaired. If the other driver was at fault, your insurance company will pursue something called subrogation. This means that your insurance company will go against the other driver's insurance company in an attempt to recover both the deductible and the money that it paid for your repairs. Insurance companies participate in an arbitration agreement so that the process is usually streamlined. (You would not expect insurance companies to wait for their money, would you?). Even with subrogation, it will take two to three months to get your deductible back.

When Insurance Issues Arise

If you do not have collision coverage or cannot afford to pay the deductible, you can go through the other person's insurance company if they are responsible for the accident. There are problems with this approach. First, insurance companies will look for any reason under the sun to avoid paying a claim. This means that if another vehicle turned left in front of your car, even though there were eyewitnesses to the fact that you could do nothing to avoid the accident, the other insurance company will raise an issue of who was at fault. They will sometimes deduct a portion of the claim due to your potential fault. This isn't right or moral, but insurance companies do it anyway because the law allows them to.

The second problem is that you must deal with the other insurance company and hope that the other driver promptly reported the matter. You then may be forced to go to the other insurance company's repair facility, and typically, it is looking to save money there. You can expect a low estimate of what your actual repairs will cost. You may need to schedule supplemental inspections. In addition, you must wait for the other insurance company's adjuster to look at your vehicle, which can take a maddeningly long time. Then there is the problem of using the correct parts to fix your vehicle. Geico, for example, is famous for allowing body shops to use gray market parts, which are not manufacturer parts.

Contact An Experienced Attorney Today

If you can, consult a lawyer to help guide you through the process. At the Law Offices of John Morelli in Cherry Hill, we make ourselves available for you. Contact our firm by calling 856-528-3205.

Get Answers To Your Questions In A Free Consultation

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy