In New Jersey, a no-fault insurance law stipulates that all drivers and other injured motor vehicle accident victims must seek financial benefits through their own car insurance companies, regardless of fault. After a car collision with a delivery vehicle, therefore, your first outlet for financial recovery is a first-party insurance claim from your own personal injury protection (PIP) benefits. There is an important exception, however, for serious Jersey City car accident injury claims.
According to New Jersey Statutes Annotated Section 39:6A-8, if your accident caused complex bone fractures, significant scarring and disfigurement, permanent injury or disability, or wrongful death, you have the right to bring a fault-based lawsuit against the driver or another party. In this case, you or your attorney will have to prove the defendant is at fault for your collision to recover compensation.
Most delivery vehicle accidents are preventable with due care by the delivery service and its drivers. When a company or driver is careless or reckless, this increases the risk of collisions. If a preventable error such as poor fleet maintenance, distracted driving, drunk driving, drowsy driving, speeding, running a red light, or failing to yield the right-of-way caused your accident, one or more parties may be held financially responsible.