FREE CONSULTATIONS 856.983.8695

How to Recover Lost Wages After a New Jersey Car Accident (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.

When drivers, passengers or pedestrians are seriously injured in New Jersey car accidents in Marlton, Camden or Cherry Hill, they typically cannot work for a period of time.  In addition to dealing with the stress of the accident, injured motor vehicle victims may also worry about their financial situations.

What injured NJ car accident victims may not know is that they may be able to recover some of their lost wages through their own car insurance companies.

NJ PIP Claims for Medical Bills & Lost Wages

New Jersey is a no-fault state.  That means, regardless of who caused the accident, injured victims make medical claims or PIP claims with their own car insurance policies.   If injured victims purchased “standard” auto policies, they may also receive lost wages as part of the PIP benefits.  If injured victims have “basic” auto policies, lost wages benefit is not included as part of the PIP benefits.

When NJ drivers purchase “standard” policies, they have different choices with regard to their PIP coverage.  Policy holders have the option of choosing various amounts of medical coverage: $250,000, $150,000, $75,000, $50,000 or $15,000.  If policy holders do not choose one of these options, the insurance policy will automatically default to $250,000 in medical coverage. See Injured in a NJ Car Accident? – The Basics of Medical Benefit (PIP) Claims

Pursuant to the New Jersey “No Fault” statute, N.J.S.A. 39:6A-1, et seq, injured insureds may receive other PIP benefits, in addition to medical benefits, such as:

  • lost wages, aka income continuation,
  • essential services,
  • survivor benefits, and
  • funeral expenses.

Though the above 4 PIP benefits are optional, the insurance company must offer them to their insureds.

NJ PIP Benefits – Lost Wages

If injured drivers have income continuation as part of their PIP benefits, they may recover lost income pursuant to N.J.S.A. 39:6A-4(b), which states:

Income continuation benefits. The payment of the loss of income of an income producer as a result of bodily injury disability, subject to a maximum weekly payment of $100.  Such sum shall be payable during the life of the injured person and shall be subject to an amount or limit of $5,200, on account of injury to any one person in any one accident, except that in no case shall income continuation benefits exceed the net income normally earned during the period in which the benefits are payable.

It is important to note that New Jersey drivers may purchase a higher income continuation benefit, which pays more than $100 a week.

In order to receive income continuation benefits, injured insureds must first provide written notice of loss to their car insurance companies. The insurance company will require forms to be filled out and supporting documentation for lost wages, including an employer wage verification.

There are certain situations where weekly payments or income continuation benefits are setoff of  other benefits, such as state temporary disability or workers’ compensation payments.  Click here to continue to part 2 of the article which discusses these types of situations.

FREE Initial Legal Consultation After a Car Accident in Cherry Hill, Camden or Marlton, NJ

Philip Ciprietti, Esquire has been helping car and other auto related accident victims in NJ for over 35 years.  Mr. Ciprietti will help you recover the compensation, including lost wages, you are entitled to after a car accident.  Mr. Ciprietti always offers a free initial consultation.  800. 281.8695

*Disclaimer: Every case is unique and you should not take any action or make decisions in your case without speaking to a qualified car and truck accident lawyer in New Jersey. This website page does not provide legal advice or create an attorney-client relationship. Use of the contact form on this website or emailing Mr. Ciprietti does not create any attorney-client relationship. In addition, confidential information should not be sent through the contact form.

Car Accident Law Articles

New Jersey Car Accidents Increased in the Winter Months from November 2013-February 2014

Last Thursday was the first day of spring, and many residents in New Jersey are happy that winter is officially over.  This winter has wreaked havoc on New Jersey roadways and highways with multiple serious car, truck and bus accidents and pile-ups. Related: Wintry...

Review of Philip Ciprietti (NJ Car Accident Case)

Car accident victim gives high praise and review of Philip T. Ciprietti, a New Jersey car and truck accident lawyer. "As a newlywed couple of 18 and 21, we first met Philip T. Ciprietti, Esq. when he helped us through the legal maze of life insurance and inheritance...

New Jersey Car Truck Accidents – What Can You Recover?

Car and truck accidents often happen on New Jersey highways, such as the NJ Turnpike, AC Expressway, Interstate 295 and the Garden State Parkway.  Because cars are traveling at high speeds when accidents happen, injured individuals often sustain serious injuries,...

Comparative Negligence- What Does it Have to do with NJ Car Accidents? (Part 2)

Part 1 of this article discussed NJ's doctrine of comparative negligence and how it affects an injured driver's financial recovery after a car accident. Part 2 of the article will provide an example further explaining how comparative negligence works. After a car...

New Jersey Car Accidents – Should I Sue the At-Fault Driver?

Motor vehicle accidents in New Jersey often result in injuries to the drivers, passengers or pedestrians involved. The aftermath of motor vehicle accidents is often stressful and overwhelming for the injured victims. Not only do they have to deal with their injuries...

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