When you are seeking to make a claim for injuries in an automobile accident, it is important that you are well informed about the process which the State of New Jersey has created
It is important to speak with an attorney so that you can explore all of your options. Depending on the coverage available and the nature of each parties' insurance, that will determine how we then proceed.
For the most part, when you are injured in a car accident caused by the fault of another individual, New Jersey has it set up a system that their auto-insurance will then be responsible for covering the costs of your medical care. But, this is not an open-ended commitment, as each person purchases a certain level of coverage to cover these costs before they then can be made responsible to pay.
Auto Insurance companies then have less incentive to approve medical care and procedures as from their perspective; it can be cheaper to simply ignore your bills or refuse to pay them. That is where an experienced an attorney can come in, making sure that if a doctor recommends a certain medical procedure - it is not simply denied outright and the patient has the option to undergo the procedure it if they wish. It happens much more often than it should, as insurance companies know they can throw their weight around more easily against individual citizens.
The situation in New Jersey, though, has grown more dire thanks to new laws passed granting Auto Insurance companies ever more reason to reject claims, resulting in one of the nation's worst personal injury systems. Blatant injuries from auto accidents are challenged, with less respected doctors being paid to declare them as "pre-existing" or "degenerative" injuries, the doctors are paid millions of dollars to perform exams on behalf of insurance companies and to find that the person was not injured. Even if the treating physicians have declared that the person was injured as a result of the accident, the insurance-company-hired-doctors will still attempt to find some way to find that the injury was not caused by the accident to avoid paying the claim. While this may seem like an unrealistic situation and too outrageous to be true, this happens each and every day throughout the state.
The only recourse one has if they are hurt, is to obtain the services of a quality attorney who has had experience in fighting through this system. John Morelli has been fighting for his clients since 1981, working within the system to ensure that they receive the best possible representation available.