If I'm involved in an automobile accident, am I obligated to notify my own insurance company even if it is the other person's fault?

Yes. Your medical bills will be paid by your own insurance company under our No Fault laws. Failure to promptly notify your own insurance company could hamper their ability to investigate the accident, and you could be denied benefits.

Should I notify the other driver's insurance company?

If you have only property damage, your damage may be covered under your own insurance policy if you have collision coverage. Depending upon the clarity of liability, you may be able to collect your deductible from the other driver's insurance carrier.

If you don't have collision coverage, then you need to look to the other driver's insurance company for payment of the damages.

What if I have sustained personal injuries from the accident, what should I do first?

First and foremost you should immediately seek and obtain professional medical care for your injuries. There is plenty of time to call a lawyer, and the first person you should be speaking to is a doctor.

What should I do if the insurance company for the other driver contacts me?

You are always free to speak with them, but it is not advisable until after you have spoken to a lawyers. Anything you say to their adjuster could be used against you later, and they may attempt to obtain a quick settlement at a figure far less than the actual value of your injuries.

How do I know the "value" of my injuries?

In the beginning, it is nearly impossible to tell the value of your case because we do not know the extent of your injuries, the amount of treatment you will require, and the loss of income and future earnings you will sustain. That is why it is unto advisable to settle your claim too soon.

What is the Statute of Limitations for suing for Personal Injuries arising out of a car accident in New Jersey?