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Jay talks about car insurance policies.

It is important to understand your car insurance policy. If you have PIP or Personal Injury Protection, it pays for your medical bills in the event of a car accident. Your PIP limits should be as high as you can afford. There is another option called the Health Insurance Primary Option where your health insurance pays your medical bills first. Your policy will have UM/UIM which stands for Uninsured Motorist and Under-Insured Motorist protection. This protects you in the event that you get into a car accident caused by someone else and the other person does not have adequate liability coverage.

Jay talks about traffic tickets and personal injury claims.

A traffic ticket can jeopardize a personal injury claim. If you are in a car accident and you receive a traffic ticket, that traffic ticket has to be dealt with in municipal court first before you can file a personal injury claim. If you are found guilty of a traffic violation in municipal court, that can adversely affect a personal injury claim. If the traffic ticket is pled down or dismissed, that also impacts a personal injury case in a good way.   

Jay talks about tort threshold or verbal threshold on your car insurance policy.

You may see something in your car insurance policy called tort threshold or verbal threshold. What this means is if a person recovers money in a personal injury claim from a car accident you have to have a permanent injury. A permanent injury is sustained medical treatment and diagnostic testing, usually in the form of an MRI, an X-ray or CAT scan. A treating physician will render an opinion that your injury is permanent in nature within the standards that are defined by the law.

Matt talks about being hurt on the job and the importance of notifying your employer and contacting an attorney.

If you are hurt on the job, it’s important to notify your employer so they can document the incident for their files, and you need to document it for yourself. It’s important to meet with an attorney because you are entitled to three different types of benefits. First, you are entitled for your medical treatment to be paid by your employer with no out of pocket expenses to you. Second, if you are out of work for over a week, you are entitled to temporary disability benefits. Third, if you suffer a permanent or serious injury, you are entitled to be compensated for any permanent disability associated with those injuries.  

Matt talks about the two types of workers compensation claims.

In workers compensation, there are two types of claims. There is a traumatic claim where you fall down and break something, and an occupational claim where you have repetitive use injuries such as carpal tunnel, or you have a bad back from lifting heavy weight. In both cases, you are entitled to benefits under the workers compensation statute.

A New Jersey state police officer provides a testimonial about injuries sustained in a car accident. He met with Jay Mascolo who represented him successfully in the car accident case.

Client testimonial in Spanish.

A client talks about the positive outcome of her car accident case.