FREE CONSULTATIONS 856.983.8695

NJ Car Accident Law – Determining Source of Financial Recovery in a Multi-Vehicle Accident for Injured Auto Victims (Part 1)

Philip Ciprietti, NJ Car & Truck Accident Lawyer

Philip Ciprietti offers clients a genuine interest in their well-being and success and places clients’ interests first in all matters. Since 1982, Mr. Ciprietti has been certified by the NJ Supreme Court as a Certified Civil Trial Attorney.

Review: "His commitment and his willingness to go the extra mile, to fight hard for you make Phil an outstanding attorney. He is the one you want on your side." Read more testimonials.

Victims of NJ motor vehicle accidents are often overwhelmed. They have to deal with their injuries, at-fault drivers and insurance companies. When accidents involve multiple vehicles, victims of car or truck accidents are even more confused because they have deal with more insurance companies, involved parties, etc.

Using a recent truck-car accident that happened on a NJ highway as an example, this article will go through the legal options injured victims have and how they can obtain financial recovery.

Earlier this month, there was a fatal multi-vehicle accident on Route 78 in Union, New Jersey. A 24 year old in an Audi A4 was driving from the Garden State Parkway ramp entering Route 78 when the fatal accident happened. The 24 year old driver traveled into the path of a fuel tanker truck, which hit his car. Both vehicles then crashed into a tractor-trailer carrying mulch in the left express lane. The tanker and tractor-trailer didn’t come to a stop until the fuel tanker got mounted on the concrete barrier. The 9,000 gallons of fuel in the tanker ignited and flames engulfed both trucks. *Source: www.nj.com (WATCH: Truck driver escapes fatal Route 78 crash, fire by crawling out windshield)

The tanker driver crawled through the windshield of the burning truck and was listed in critical condition. The driver of the tractor-trailer hauling mulch also sustained injuries.

Related: NJ Motor Vehicle Accidents Involving Tractor-Trailers Often Result in Serious Injuries or Fatalities

Legal Options for the Injured Truck Drivers in this NJ Highway Accident

If liability in this NJ highway car accident is clear, i.e., the driver of the Audi caused the car accident, both injured truck drivers may pursue a motor vehicle accident injury lawsuit against the Audi driver.

The Audi driver’s insurance company would compensate the injured truck drivers pursuant to the liability coverage in his car insurance policy. Liability coverage, also known as bodily injury liability, is a coverage in all NJ auto insurance policies. If insured drivers cause motor vehicle accidents and injure other drivers, passengers or pedestrians, this coverage financially compensates the injured individuals for their damages and their losses, up to the limit purchased by the insured driver.

How Bodily Injury Liability Coverage Works in a NJ Car Accident Case

Bodily injury liability coverage is a split limit coverage in NJ. This means that the coverage is different if there is one person injured versus multiple people injured in the accident. For example, a bodily injury liability coverage of $15,000/$30,000 means that an injured individual may receive up to $15,000. If there are multiple injured parties, the maximum amount the insurance company will pay is $30,000 for all injured parties’ injuries per accident.

If there are 2 injured individuals, each individual may receive up to $15,000, totaling the maximum of $30,000 coverage for the accident. However, if there are more than 2 injured individuals, $30,000 will be divided among each of the injured parties depending on their injuries.

In this particular accident, if the Audi driver has $15,000/$30,000 policy, then each injured truck driver may receive up to $15,000. In addition, the truck drivers may pursue UIM claims if the Audi driver’s liability coverage is not enough to compensate them for their injuries and damages.

Click here to read the option of filing UIM claims for the injured truck drivers.

Injured in a NJ Car Accident? Call Philip T. Ciprietti, Esq. to schedule a FREE case evaluation. Mr. Ciprietti is an experienced NJ car accident lawyer and has helped many injured drivers and passengers in NJ. 800.281.8695

DISCLAIMER: This website does not create any attorney-client relationship or provide legal advice.  Read full disclaimer at the bottom of this page.

Car Accident Law Articles

NJ’s Efforts to Stop Distracted Driving – By a Cherry Hill, NJ Car Accident Lawyer

Last month was National Distracted Driving Awareness Month. Law enforcement agencies across the United States participated in or launched campaigns in an effort to stop distracted driving. Many of them, including the New Jersey State Police, took part in the...

NJ Car-Bicycle Accidents – Who Pays for Injured Cyclists’ Medical Expenses?

In the summer, many NJ bicyclists are severely injured in auto accidents as the result of the drivers' negligence. Bicyclists may be hit by all types of motor vehicles, i.e., cars, trucks, mini-vans and buses. Other than helmets which provide some protection from...

NJ Car and Truck Accident Lawyer Talks About When to File an Uninsured/Underinsured (UM/UIM) Motorist Claim in a Car or Truck Accident

NJ car drivers are required to carry car insurance policies for their cars; however, many car owners may not know what their policies contain or what they mean when serious car accidents happen. A type of car insurance coverage many drivers often misunderstand is...

New Jersey Fatal Motor Vehicle Accidents in 2014

According to the New Jersey State Police, there have been 320 fatal motor vehicle crashes and 420 fatalities so far this year. Those numbers have increased from 2013, and we still have almost 3 months left in 2014. In 2013, there were a total of 377 fatal crashes and...

NJ Intersection Accidents & Injured Victims’ Legal Rights

Car and truck accidents at intersections in South Jersey happen frequently. Below are 2 common types of accidents that happen at intersections. At-Fault Driver Runs a Red Light Driver A is driving his truck on Route 73 in Marlton, New Jersey and runs a red light at an...

FREE CONSULTATIONS

    Spam:  

    *No attorney-client relationship is created by use of this email form. Do not email confidential or time-sensitive information. Call the firm for immediate assistance.

    OUR OFFICE

    79 S. Maple Avenue
    Marlton, NJ 08053
    Phone: 856.983.8695
    Fax: 856.983.0015
    Toll Free: 800.281.8695

    Google Map/Directions