How are a Minor and Serious Car Accident Different?

How are Minor and Serious Car Accidents Different from One Another?

Car accidents can vary significantly in severity depending on a variety of factors. Minor car accidents typically involve low-impact collisions and limited damage done. These tend to occur at low speeds like rear-end collisions during traffic jams, fender benders in parking lots, side-swipes on narrow streets, etc. In most of these cases, the damage to the vehicles involved is minimal and only cosmetic. The injuries sustained by passengers are generally nonexistent or very minor.

On the other hand, a serious car accident involves high-impact collisions and significant damage. These often include high-speed collisions, head-on crashes, highway accidents, t-bones, rollovers, etc. These accidents oftentimes result in serious damage to the vehicles and surrounding area. Drivers and passengers involved often sustain severe injuries like broken bones, concussions, internal damage, spinal cord injuries, traumatic brain injuries, and more.

Does the Severity of the Accident Impact Insurance Claims?

Yes, the severity of a car accident will generally impact the outcome of insurance claims and legal action. New Jersey is a no-fault accident state, meaning that drivers must first pursue compensation for an accident through their own insurance provider. This simplifies minor accidents, as the costs of medical expenses and vehicle damage are generally low. Drivers may resolve the issue without having to work with the other’s insurance carrier at all.

However, the same is not always true for more serious accidents. Insurance claims for serious car accidents are often more complex due to the high costs of medical treatments and vehicle repairs. These cases often escalate to legal disputes and lawsuits, especially if one party was negligent or there were multiple vehicles involved. While New Jersey is a no-fault accident state, if a driver’s insurance does not cover the entirety of their damages, they can file a claim with the other party’s insurance to make up the difference or sue them for the additional compensation.

This can become complicated as insurance companies generally try to pay out the least amount of money possible. If the settlement offer is not suitable then the case may wind up in court. This can take months or even years to resolve, not to mention expensive attorney and court fees.

If you were involved in a car accident, it is crucial that you consult with a skilled lawyer and learn about your legal rights, regardless of the severity of the crash. Reach out to an experienced attorney today for more information and legal advice.