My 47-year-old client was casually driving his luxury automobile through a city intersection one afternoon when he was suddenly hit by a car that ran a stop sign. The other vehicle was being operated by an unlicensed driver and slammed into the front left of my client’s car. The other driver was issued a traffic summonses for careless driving and being an unlicensed driver.
My client suffered severe trauma as a result of the violent collision with the other vehicle. He was immediately transported to the emergency room for his injuries and followed-up with a chiropractor after the hospital. He was referred for MRIs which revealed herniated discs in his neck. A herniated disc arises when the fluid inside the disc leaks out through the disc wall. This is similar to squeezing out the inside filling of a jelly donut.
My client was initially treated conservatively with chiropractic care and pain management. He even tried injections into his neck to relieve the pain. Eventually he underwent a surgery called a discectomy and fusion at three levels of his spine located in his neck. This operation removes the herniated discs, and the vertebrae in the spine are fused together with metal hardware. The insurance company for the other vehicle offered its full policy limit of $100,000 for my client’s injuries.
Insurance Buying Tip: New Jersey state law requires a minimum coverage of $15,000 for personal injury coverage in an accident. If you are seriously injured in a car accident, this minimum coverage may not be sufficient to compensate you for your injuries.
My client selected a basic insurance policy with underinsured limits of the bare minimum at $15,000. My client was limited to the policy coverage from the other vehicle that hit him, which in this case was $100,000. If my client had purchased full uninsured and underinsured coverage limits of $250,000, he would have been able to make a claim for an additional $150,000 in underinsured coverage.
Have questions? Need answers about an injury that occurred in New Jersey as a result of someone else’s negligence? If you or a loved one suffered an injury in an accident, you should contact an attorney familiar with handling these claims. Please see my NJ Car Accident Checklist if you are in an accident. My NJ Injury Lawyer Howard P. Lesnik, Esq. offers free strategy sessions to address any issue or questions you may have about your injury, medical bills or your accident claim.
Please contact NJ Injury Lawyer Howard Lesnik, Esq., immediately if you were involved in a pedestrian accident and were injured or suffered damages. I personally handle NJ personal injury cases on a regular basis. Please contact me now by email, by phoning 908.264.7701, or by completing the form to the right to schedule your complimentary 30-minute strategy session.