After a car accident, you should focus on recovering. That process might include collecting damages from your insurance company or filing a lawsuit to fully compensate for your injuries. If you don’t have valid insurance at the time of a car accident in New Jersey, receiving those damages becomes complicated.
If you get in a car accident in New Jersey and don’t have insurance, you can still sue if your injuries are severe. However, the damages you receive might be decreased because you failed to carry car insurance. Furthermore, it’s New Jersey law that all drivers have valid motor vehicle liability insurance. If you do not have car insurance and the police are called to an accident site, you could face criminal charges. That being said, it’s always important to seek medical care after a car accident. Having car insurance is more important in New Jersey as it is a partial no-fault insurance state.
The New Jersey car accident attorneys at Legal Care aim to you get the compensation you deserve. Our team can help you receive damages, despite not having insurance. For a free consultation, call the New Jersey car accident attorneys at Legal Care today at (732) 838-9769.
Can I Still Sue if I Get in a Car Accident Without Insurance in NJ?
You might be able to sue if you got in a car accident without insurance in New Jersey. But you also might not. It depends on the specifics of your case. That’s because New Jersey is a partial no-fault insurance state.
In New Jersey, all parties involved in a car accident must file a claim with their insurance provider, according to N.J.S.A § 39:6a-4. The state’s no-fault laws allow drivers to purchase personal injury protection insurance (PIP). This insurance compensates for injuries after a car accident, regardless of who is at fault. Such laws help prevent the need for lawsuits after an accident. In tandem with New Jersey’s no-fault laws is the “No Pay, No Play” law. According to N.J.S.A § 39:6a-4.5, failure to purchase PIP coverage can prohibit drivers from collecting damages after a car accident.
In fault states, the party at fault for a car accident would compensate an injured victim. However, no-fault laws eliminate that need. So, everyone involved in a car accident must have insurance to receive adequate compensation.
New Jersey’s no-fault laws limit car accident lawsuits. While you can still attempt to file a lawsuit after a car accident, damages will be limited if you do not carry car insurance. In most “No Pay, No Play States,” you will be compensated for economic damages, but not for non-economic damages. However, in New Jersey, you will likely not receive compensation for your injuries whatsoever. Failure to carry car insurance in New Jersey is a crime, so the compensation you can receive from a lawsuit will reflect that infraction.
In such a situation, it’s important to seek the guidance of experienced lawyers. The New Jersey personal injury attorneys at Legal Care can help you navigate a lawsuit when you don’t have car insurance.
Can I Be Penalized if I Get in a Car Accident Without Insurance in NJ?
After a car accident, emergency services are usually notified. Calling the police to the scene of a car accident can ensure that all pertinent information is gathered. As the police collect information, they will require your insurance information. Failure to present valid car insurance can result in penalties and fines.
If you do not have car insurance at the time of a car accident in New Jersey, you can face additional legal problems. As outlined in N.J.S.A § 39:6b-1, all car owners must have up-to-date motor vehicle liability insurance coverage when operating their car.
According to N.J.S.A § 39:6b-2, failure to have adequate car insurance can result in severe consequences. Drivers can face fines and lose their license for up to two years. Drivers may also be sentenced to jail time or be required to complete community service.
Having car insurance in New Jersey is necessary. Not only can it cover your medical costs and lost wages after a car accident, but it can protect you from criminal charges. Driving without insurance is irresponsible and can prevent you from getting the compensation you need after an accident.
Why Should I Get Insurance in Case of a Car Accident in NJ?
Because of New Jersey’s no-fault laws, it can be beneficial for drivers to have PIP coverage. If you don’t, you might not be able to receive full compensation for your injuries after a car accident. If you have no valid motor vehicle liability insurance at the time of a car accident, you can face criminal charges.
Carrying car insurance is responsible and important. The New Jersey car accident attorneys at Legal Care will have the best chance to get you compensation for your injuries if you had adequate insurance at the time of an accident. After a car accident, you should focus on recovering. The physical and mental damages from an accident can be overwhelming. As hospital bills and lost wages multiply, the financial burden becomes clear. Not receiving damages for injuries sustained during a car accident isn’t an option for many victims.
If you don’t currently have car insurance in New Jersey, purchase it. In case of a car accident, you must be adequately insured. Don’t prevent yourself from receiving compensation for your injuries by not carrying car insurance. Doing so can help the team of New Jersey car accident attorneys at Legal Care get you the damages you deserve for your injuries.
If You Were in a Car Accident Without Insurance in NJ, Our Attorneys Can Help
While it’s always best to be properly insured, you might have been involved in a car accident in New Jersey without valid insurance. For a free consultation, call the New Jersey car accident attorneys at Legal Care today at (732) 838-9769.