If you’ve been injured in a car accident, NJ law gives you two years from the date of the accident to file a personal injury lawsuit. However, there are cases where this deadline may be shorter or longer. For example, you only have 90 days to file a Notice of Claim if a public entity – such as a city, county, state, police, fire department, sanitation board, or education worker – is at fault.
For the timeline to file an insurance claim, contact your insurance company as soon as possible. The rules of your specific policy will determine how fast you need to act.
How Long Does a Car Accident Settlement Take?
The timeline for every car accident case will differ depending on the specific circumstances. However, most personal injury claims in New Jersey can take anywhere from six months to two years to settle. Some cases may take more or less time based on factors such as:
- The severity of your injuries
- The number of at-fault parties
- Disagreement on the cause of the accident
- Whether your case goes to trial
- The insurance companies involved
An experienced car accident attorney can review your case and give you an idea of how long your claim may take to settle.
How To Get a Police Report for a Car Accident in New Jersey
You must file an accident report with the police within 10 days of an accident if it causes injury, death, or more than $500 in property damage. If you don’t file a police report in time, you can be fined up to $100. Your license may also be suspended or revoked.
After the police report has been completed and approved, you can request a copy in person, online, or by mail.
Can You File a Car Accident Claim Without a Police Report?
Some minor insurance claims may be filed without a police report. However, NJ law requires you to file an accident report with the police for all incidents with personal injury, death, or property damage over $500. Police reports can be crucial to defending your claim.
Should I Get an Attorney After a New Jersey Car Accident?
Contacting an attorney is the smart decision whenever you are involved in a car accident, whether the crash was a fender bender or resulted in significant injury. Insurance companies will scrutinize everything you say and do to find a reason to deny you coverage. Additionally, you may not realize the complete value of your claim. A skilled personal injury attorney has the experience to be sure all your losses are taken into account.
After an accident, your focus should be on healing from your injuries and getting back to your routine. Hiring the right attorney takes the weight off your shoulders. Your attorney can:
- Communicate with your insurance company, the other driver’s insurer, and anyone else requesting information about the claim
- Gather evidence and talk to witnesses
- Represent you in settlement negotiations
- Fight for maximum compensation in court
What Are New Jersey’s Auto Insurance Requirements?
All drivers must have proof of auto insurance to operate a vehicle. Your minimum coverage will depend on whether you have a Basic or Standard policy.
The minimum required insurance in New Jersey for a Standard policy includes:
- Liability insurance – This coverage pays for others’ damages if you are responsible for the accident. The minimum requirements for bodily injury coverage are $25,00 per person and $50,000 per accident. It also requires $25,000 in property damage coverage per accident.
- Personal injury protection – Personal injury protection (PIP) coverage pays medical expenses for you and others covered under your policy regardless of fault. You must have a minimum of $15,000 per person or accident.
- Uninsured/underinsured motorist coverage – If you are involved in an accident with an uninsured or underinsured motorist, this coverage will apply. Uninsured/underinsured motorist coverage is available up to the same amounts as liability coverage.
For a Basic policy in New Jersey, you must have a minimum of:
- Liability insurance – The minimum liability coverage on a Basic policy only pays for others’ property damages. This coverage is a minimum of $5,000 per person or accident.
- Personal injury protection – Basic policies also must have a minimum of $15,000 per person or accident in PIP coverage.
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