Whenever you file a lawsuit for someone’s negligence, such as a car accident, you file the lawsuit directly against that person. If your lawsuit goes to trial and the jury gives you a judgment, the judgment will be awarded against the other person directly. If the other person has insurance that applies to the lawsuit, the insurance company pays the legal fees and expenses and any settlement or judgment up to the insurance policy limit even though the lawsuit is against the other person directly. If insurance coverage exists, the other person should not have to pay anything personally for your lawsuit.
If your lawsuit results in a judgment that is more than the insurance policy limit, the insurance company generally pays only the amount of that limit. The other person is personally responsible for any amount over and above the insurance policy limit.
About RAM Law
RAM Law represents all of Central Jersey in personal injury cases and is staffed by experienced accident and injury attorneys. We provide legal help for victims of slip and fall accidents, medical malpractice, workplace injuries, truck and car accidents, and other personal injuries. Call (732) 247-3600 to discuss your case and set up a free consultation at our New Brunswick or Somerville law offices.