Red Bank Car Accident Lawyer

Car Accidents

chamlin uliano & Walsh

Getting into a car crash in Red Bank Borough can turn your whole world upside down in a split second. One minute you are driving down the street or walking to a local shop, and the next you are dealing with a totaled car and a body full of pain. These accidents happen when you least expect them. They leave you with a long list of questions about how you will pay your bills or get back to work.

If you were hurt in a crash, you might have the right to seek money from the person who caused it. This money can help cover your hospital visits, car repairs, and the time you had to stay home from your job. Working with a Red Bank car accident attorney can help you handle the paperwork and talk to the people who owe you money.

Why You Need a Red Bank Car Accident Lawyer

Dealing with insurance companies alone is hard. These companies have workers called claims adjusters. Their main job is to save the company money. They might act like they are your friend, but they often try to give you the lowest amount of money possible. They might ask you to record a statement or sign papers before you even know how bad your injuries really are.

A lawyer acts as a shield between you and these companies. Having a professional on your side means you do not have to answer their tricky phone calls or emails. Your lawyer handles the talking while you focus on resting and getting better. They also make sure you do not miss any deadlines. In New Jersey, you generally have two years from the date of the crash to file a case in court. If you wait too long, you lose your right to ask for money forever.

New Jersey No-Fault Insurance Rules

New Jersey has a special rule called no-fault insurance. This means that after a crash, your own insurance company usually pays for your medical bills through something called Personal Injury Protection. It does not matter who caused the accident. This is supposed to make things move faster, but it can be confusing.

There are times when your own insurance is not enough. If your injuries are very serious, you can step outside the no fault system. This allows you to bring a claim against the driver who hit you. This is a big deal because it lets you ask for more money, including payment for your pain and physical suffering. A lawyer can look at your medical records to see if your injuries meet the requirements to sue the other driver.

Proving Negligence and Fault in a Crash

To get money from another driver, you have to show they were negligent. This just means they were being careless or were not following the rules of the road. Common examples include drivers who are texting, speeding through Red Bank, or driving while they are drunk.

New Jersey uses a rule called modified comparative negligence. This rule says that even if you were a little bit at fault for the crash, you can still get money. The catch is that you must be less than 51 percent responsible. If a judge or jury decides you were 20 percent at fault, the money you get will be lowered by 20 percent. Because of this, it is very important to have a lawyer who can gather evidence to show the other person was the one mostly at fault.

Types of Car Accident Injuries

Not every injury shows up on an X-ray right away. Some of the most common problems people face after a crash include:

Soft tissue injuries: This includes things like whiplash or bad sprains. Even though you cannot see a broken bone, these injuries can cause a lot of pain and keep you from moving your neck or back for months. Insurance companies often try to say these are not serious, so you need a lawyer to show why they matter.

Skeletal and orthopedic injuries: High-speed crashes often lead to broken bones or torn ligaments. These usually require surgery and a long time in physical therapy.

Head and brain trauma: If your head hits the window or the steering wheel, you could get a concussion or a traumatic brain injury. Sometimes you feel dizzy or confused but don’t know why. It is important to see a doctor and a lawyer to make sure this is documented correctly.

Internal and spinal injuries: These are very dangerous and can lead to long-term disability. Damage to your spinal discs can change your life forever and requires a lot of medical care.

How a Lawyer Investigates Your Case

A good law firm does a lot of work behind the scenes. They do not just take your word for it. They start by getting the police report and looking for any video from traffic cameras or nearby stores. They also talk to people who saw the crash happen.

Sometimes, a case is very complicated. In those times, lawyers work with accident reconstruction experts. These are people who use math and physics to show exactly how the cars hit each other. They can even use computer programs to recreate the crash. Lawyers also talk to doctors and financial experts. These professionals help figure out exactly how much money you will need for your future medical care and how much money you lost by not being able to work.

Different Types of Car Crashes

The way your accident happened tells a lot about who is at fault.

Rear-end collisions: These often happen because someone was following too closely or looking at their phone.

Side impact or T-bone crashes: These are common at intersections in Red Bank when someone runs a red light. These cause very bad injuries because the sides of cars do not have as much protection as the front.

Head-on collisions: These are the most violent crashes. They usually happen because a driver was intoxicated or fell asleep and crossed into the wrong lane.

Hit and run or uninsured motorists: If the person who hit you leaves the scene or has no insurance, you can still get help. You can often file a claim through your own insurance policy using something called UM/UIM coverage. Your lawyer will look at your policy to make sure your company pays what it’s supposed to pay.

Why People Crash in Red Bank

There are many reasons why accidents happen in our community. Distracted driving is a huge problem. People trying to use their GPS or eat while driving can cause a wreck in a second. Speeding is another big cause. When cars go too fast, the impact is much stronger, and the injuries are worse.

Sometimes, the crash isn’t caused by a driver at all. It could be a vehicle defect like bad brakes or a tire that blows out. In those cases, you might be able to sue the company that made the car. Other times, the road itself is the problem. If a stop sign was hidden or a traffic light was broken, the town or city might be responsible for what happened to you.

Steps to Take After a Crash

What you do right after a crash matters for your legal case. You should always call the police so there is an official record. Take pictures of everything, including the cars, the road signs, and your bruises. Even if you feel okay, go to the doctor. Many injuries don’t start hurting until the adrenaline wears off a few hours later.

After you see a doctor, call a lawyer before you talk to any insurance companies. A lawyer will offer a free consultation where they look at the facts of your case. If they take your case, they will start the claim process by sending a demand letter to the insurance company. This letter lists all your injuries and tells the company how much money they need to pay.

Getting Paid for Your Losses

The goal of a personal injury case is to get you back to where you were before the crash. You can ask for money to cover many different things. Medical expenses are the biggest part. This includes the ambulance ride, the ER visit, and any therapy you need in the future.

You can also get money for lost wages. If you missed two weeks of work, you should be paid for those two weeks. If your injury is so bad that you can’t do your old job anymore, you can ask for money to cover your lost earning potential. There is also money for pain and suffering. This is for the physical hurt and the emotional stress the accident caused you. In very rare cases where a driver was extremely reckless, like a DUI crash, you might even be able to get punitive damages, which are meant to punish the driver.

No Cost Upfront Legal Help

Many people worry that they cannot afford a lawyer. Most personal injury lawyers work on a contingency fee. This means you do not pay any money out of your own pocket to start the case. The lawyer only gets paid if they win money for you. If you do not get a settlement or a win in court, you do not owe the lawyer any fees. This makes it possible for everyone to have a good lawyer, no matter how much money they have in the bank.

Contact Chamlin, Uliano & Walsh Today

If you are hurting after a car accident in Red Bank, do not wait to get help. The longer you wait, the harder it is to find witnesses and evidence. You deserve to have someone fighting for your rights while you focus on your family and your health. Chamlin, Uliano & Walsh has been helping people in this community for a long time. We know how the local courts work and we know how to stand up to big insurance companies. You can reach out to us at (732) 229-3200 for a free talk about your case. We are available 24/7 to hear your story and help you start the process of getting the money you deserve.