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How to Know Who is Liable for a New Jersey Car Accident

Car accidents can be a distressing experience, and one of the most pressing questions that often arises is, “Who is liable for a New Jersey car accident?”

Understanding the complexities of car accident liability in the Garden State is crucial, as it can determine who pays for the damages, how you can seek compensation, and what the legal process entails.

In this comprehensive guide, we’ll delve into the complexities of car accident liability in New Jersey, discussing the state’s no-fault system, fault determination, proving negligence, the relevant laws, reporting accidents, and the role of attorneys.

How to Know Who is Liable for a New Jersey Car Accident

Who Pays for Car Accidents in New Jersey

In New Jersey, the no-fault system is in place for car accidents. This means that your own insurance company is responsible for covering your medical expenses and damages, regardless of who is at fault.

Over 80% of all car insurance policies in the state are structured as no-fault policies, highlighting the widespread use of this system. On average, in cases covered by the system, injured individuals receive compensation within 30 days of filing a claim.

This system aims to provide prompt compensation for accident victims and minimize legal disputes. However, it’s essential to note that this system does not cover all situations, and you may still be able to pursue a liability claim under certain circumstances.

Benefits of No-Fault System 

  • Prompt compensation without the need for lengthy legal battles.
  • Personal injury protection (PIP) benefits are available, covering medical bills and lost wages.
  • Reduces the burden on the court system, allowing it to focus on more complex cases.

Exceptions to No-Fault

  • Serious injuries that meet specific thresholds may allow you to sue the at-fault party.
  • Claims against the at-fault party can be filed for pain and suffering damages.

New Jersey Car Accident Fault

To determine fault in a New Jersey car accident, the state follows a modified comparative fault system. This means that each party involved in the accident may be assigned a percentage of fault, and the amount of compensation they receive will be reduced by their level of responsibility.


If you are found to be 20% at fault for an accident and your total damages amount to $10,000, you can recover $8,000 (80% of your total damages).

Comparative fault systems encourage responsible driving and shared responsibility for accidents.

Comprehensive Guide: No-Fault State Car Damages in New Jersey

Understanding the no-fault system is crucial, as it impacts how your damages are covered. Here’s a breakdown of the practical steps involved:

  1. Contact Your Insurance: After an accident, notify your insurance company promptly. They will guide you through the claims process.
  2. Seek Medical Attention: Even if your injuries seem minor, it’s essential to see a healthcare professional. Your PIP benefits will cover medical expenses.
  3. Gather Evidence: Collect information at the accident scene, including photographs, witness statements, and the other driver’s information.
  4. Consult an Attorney: If you believe you may have grounds for a liability claim due to severe injuries, consult an attorney in NJ like Rosengard Law Group to explore your options.

How to Prove Negligence in a Car Accident

To establish liability in a car accident, it’s essential to prove negligence. Negligence refers to the failure to exercise reasonable care, which leads to harm or injury. Here are the key elements you need to establish:

The first step is to show that the other driver owed you a duty of care. In car accidents, all drivers have a duty to operate their vehicles safely.

Prove that the other driver breached their duty of care. This can be through reckless driving, running a red light, or other unsafe actions.

Demonstrate that the breach of duty directly caused the accident and your injuries.

Provide evidence of the damages you suffered, such as medical bills, property damage, and lost wages.

What the Law Says About Car Accidents in New Jersey

New Jersey has specific laws and regulations governing car accidents. Some key points include:

Mandatory insurance for all drivers is required to have liability insurance coverage to protect themselves and others in case of accidents.

New Jersey imposes time limits for filing personal injury claims. It’s crucial to act promptly to protect your rights.

As mentioned earlier, New Jersey follows a modified comparative negligence system, which can affect the amount of compensation you receive.

See also : New Jersey Car Accident Lawyer

How to Report a Car Accident in NJ

If you’re involved in a car accident in New Jersey, you must report it promptly. Here are the steps to follow:

Call the Police: Contact the local police to report the accident. They will create an accident report that can be vital for insurance claims.

Exchange Information: Share contact and insurance information with the other driver involved in the accident.

Gather Evidence: As mentioned earlier, collecting evidence at the scene, such as photographs and witness statements, is crucial.

Notify Your Insurance: Inform your insurance company about the accident as soon as possible.

Can I Report Any Accident in New Jersey Without an Attorney

While it’s possible to report an accident without an attorney, it’s advisable to consult with one, especially if the accident involves severe injuries or potential liability claims. Here’s why:

  • Attorneys are well-versed in navigating the legal complexities of car accident cases.
  • An attorney can help you pursue the maximum compensation you deserve.
  • Dealing with insurance companies and legal matters can be stressful, and an attorney can handle this for you.

In approximately 70% of cases involving insurance companies and legal proceedings, accident victims reported feeling overwhelmed and stressed during the claims process.

See also : Jersey City Car Accident Lawyer


How to Determine Fault in a Car Accident in New Jersey?

Determining fault in a New Jersey car accident involves an investigation by the insurance companies and the police. They will examine the evidence, witness statements, and the accident report to assign fault percentages to each party involved. It’s essential to cooperate with these investigations and consult an attorney if you disagree with the findings.

Can I Get Any Compensation in a Car Accident in NJ

Yes, you can receive compensation in a car accident in New Jersey. The no-fault system ensures that your insurance company covers your medical expenses and damages.

If you meet the criteria for pursuing a liability claim, you may also seek compensation for pain and suffering and other non-economic damages.


Understanding car accident liability in New Jersey is essential for anyone who drives in the state. The no-fault system streamlines the process of obtaining compensation for medical expenses and damages, but it’s crucial to be aware of the exceptions and the potential for liability claims.

While it’s possible to navigate these matters without an attorney, consulting with one can provide valuable guidance and increase your chances of receiving fair compensation.

By following the steps outlined in this comprehensive guide and being aware of your rights and responsibilities. Stay informed, drive safely, and know your options when it comes to New Jersey car accidents.

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