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Do I Really Need a Personal Injury Attorney for My Car Accident Claim?

New Jersey drivers are required to have minimum liability insurance coverage. Otherwise, they face steep fines and potential license suspensions. Many motorists choose to pay higher monthly premiums in exchange for better coverage and the peace of mind it brings.

When you file a car accident claim, you expect fair compensation from your insurance provider to cover your losses. However, the level of protection you expect and the money you receive are sometimes worlds apart. That’s why everyone filing a car accident claim should hire a personal injury attorney.

The Mindset of a Car Insurance Adjuster

Insurance companies are in the business of making money, not satisfying their policyholders. Therefore, it shouldn’t surprise you to learn that your provider won’t simply compensate you after an accident, no questions asked.

Instead, insurance companies have a team of adjusters whose sole responsibility is to investigate the details of your accident and try to pin some (or all) of the blame on you, thereby decreasing your payout. It isn’t unheard of for adjusters to suggest that victims hit by negligent drivers should have driven more defensively to avoid the crash.

Insurance providers also often demand profuse and irrelevant documents, which can hurt the claim payout if the policyholder concedes. Moreover, insurance companies commonly justify paying only a fraction of the victim’s medical expenses and lost wages, while often limiting or completely circumventing payouts for mental anguish and pain and suffering.

How a Personal Injury Attorney Can Help Your Case

If you file a car insurance claim on your own, it’s you against a multimillion-dollar company with teams of adjusters and attorneys that will go to great lengths to pay you the lowest sum possible. Unless you team up with a personal injury attorney, it’s very likely that you’ll be short-changed.

Here’s what your attorney will do to help you avoid common pitfalls when filing a car accident claim:

  • Teach you the filing process dos and don’ts to maximize the value of your claim.
  • Listen to the details of your case to fully learn the facts and develop a strategy to increase your compensation.
  • Explore ways to seek higher payouts for obscure portions of your claim.
  • Prepare a demand package with proof of all damages to present to the insurance company.
  • Submit all proof and paperwork professionally and by the required deadline.
  • Assess the pre-suit settlement offer for fairness and take the case into litigation, if necessary.

Find an Experienced Car Accident Attorney in New Jersey

Choosing the right legal professional to represent your case could make all the difference. Gelman Gelman Wiskow & McCarthy LLC is here to provide the compassionate, personalized service you deserve! We have experience handling even the most complex personal injury cases, with numerous million-dollar verdicts and settlements over the years.

To get started, please contact us at 862-263-0770 for a free consultation. We’ll address your questions and concerns and make sure you feel comfortable with our team before moving your case forward.

  • In 2021, a year in which New Jersey courts were basically closed for trials, our firm still settled almost 100 cases for in excess of nine million dollars. Furthermore, our average settlement—for the first time in the firm’s 70+ year history—exceeded $100,000.00. In the last ten years, the firm’s clients have recovered over 100 million dollars.
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  • Results may vary depeding on your particular facts and legal circumstances.
Our Offices
  • Dover Office
    77 Union Street, Suite 2A
    Corner of Rt. 46 and Union Street
    Dover, New Jersey 07801
    Phone: 973-366-3900
    Fax: 973-813-3360
  • Newton Office
    93 Spring Street
    Suite 406
    Newton, New Jersey 07860
    Phone: 973-512-2207
    Fax: 973-813-3360
  • Elmwood Park Office
    One Broadway
    Suite 304
    Elmwood Park, New Jersey 07470
    Phone: 862-263-0770
    Fax: 973-813-3360
  • Bernardsville Office
    150 Morristown Road
    Suite 103
    Bernardsville, New Jersey 07924
    Phone: 862-263-0770
    Fax: 973-813-3360