New Jersey Personal Injury & Accidents - What You Need to Know

Under New Jersey law, you have the right to select any licensed auto body shop. We manage your property damage claim directly to ensure fair valuation and rental car coverage. If you are without transportation, our firm coordinates Uber and Lyft rides so you can attend medical and therapy appointments without interruption.

New Jersey auto policies with the Verbal Threshold restrict lawsuits for non-economic damages unless you prove permanent bodily harm. We partner with board-certified medical specialists who perform objective diagnostic testing (such as MRIs and EMGs) to clinically prove permanent injury under the statute.

When an at-fault driver misrepresents the facts of a highway crash, we obtain Turnpike toll plaza telemetry, commercial dashcam video, and vehicle event data recorder (“black box”) logs to disprove their false statements.

Local commercial properties and gas stations overwrite surveillance footage within days. Our team sends immediate formal preservation notices to property owners to lock down video evidence before it is permanently erased.

Our retainer agreement guarantees representation on a contingency fee basis with zero upfront fees. We fund all investigation, medical expert testimony, and court filing expenses, collecting a fee only after securing a financial recovery for you.

Immediate diagnostic documentation links your spinal trauma directly to the collision. Delaying medical care allows insurance adjusters to argue that your injuries were pre-existing or minor, devaluing your settlement.

Commercial delivery fleet crashes involve high-limit corporate policies. We pursue claims directly against the parent delivery corporation for negligent scheduling, driver fatigue, and improper vehicle maintenance.

You can recover damages in New Jersey as long as you are 50% or less at fault. If an insurer pushes your fault allocation to 51% or higher, you recover nothing. We build physical evidence to keep your fault allocation at zero.

We file a claim under your policy’s Uninsured Motorist (UM) coverage. New Jersey auto insurers are legally obligated to handle UM claims fairly, and our trial attorneys ensure you receive full compensation.

New Jersey adjusted its bodily injury liability floors to $35,000 per person. For catastrophic collisions, this minimum is still rarely enough. We map out your own Underinsured Motorist (UIM) coverage and commercial umbrella layers to unlock the maximum funding needed for your recovery.

Under New Jersey’s No-Fault system, your medical bills are initially covered by your auto policy’s Personal Injury Protection (PIP) benefits. For costs exceeding PIP limits or specialized care, we utilize Letters of Protection (LOPs) with premier orthopedic and spinal specialists so you pay zero out of pocket while your case progresses.

If your auto policy includes the Verbal Threshold, you cannot sue for pain and suffering unless you prove permanent bodily harm. We partner with board-certified medical specialists who perform objective diagnostic testing (such as MRIs and EMGs) to produce a Physician’s Certification of Permanency proving your injury qualifies.

Settlement mill firms often drop cases when an insurance adjuster aggressively argues that an injury does not meet the Verbal Threshold. If your attorney withdrew, our trial team will conduct an independent review of your diagnostic imaging to determine if objective permanence can be proven in court.

Under N.J.S.A. § 2A:14-2, you have two years from the date of the collision to file a personal injury lawsuit. If a government entity or public transit vehicle was involved, you must file a formal Title 59 Notice of Claim within 90 days. Missing these deadlines bars your recovery permanently.

The New Jersey Turnpike experiences extreme congestion and high speeds during Thanksgiving holiday travel. Rushed drivers and autumn rain create frequent multi-car chain-reaction collisions. We move quickly to issue preservation notices to trucking companies and toll authorities to secure black box and toll plaza video.

When an at-fault driver lies to their insurer, adjusters use New Jersey’s 51% modified comparative fault bar to deny claims. We obtain commercial dashcam recordings, toll camera logs, and vehicle black box data to establish clear liability.

You pay zero out-of-pocket costs or retainer fees. We advance 100% of litigation expenses, expert witness fees, and filing costs, collecting a fee only after securing a financial recovery for you.

Yes. New Jersey’s major roads are filled with commercial gas stations and retail facilities. We dispatch our investigators directly to these sites to demand video preservation before their automated internal systems erase the recording.

New Jersey applies a modified comparative fault rule with a strict 51% bar. If an aggressive or distracted driver cuts you off and slams on their brakes, we use forensic investigation and vehicle telematics to prove their negligence contributed to or caused the crash, protecting your right to seek damages.

The Turnpike is a massive commercial corridor. Because tractor-trailer accidents involve devastating forces and corporate layers, you must act within the first 48 hours. We issue immediate Spoliation Letters to the carrier corporation to secure black box speed analytics, driver hours-of-service data, and vehicle diagnostic reports before they can legally clear the engine memory.

New Jersey operates under a strict “Limitation on Lawsuit” or Verbal Threshold system designed to block accident victims from recovering pain and suffering compensation unless their injury is clinically proven to be “permanent.” From our office on Hudson Street in Jersey City, we defeat this defense trap by partnering with premier medical specialists who utilize objective diagnostic imaging to prove that your soft-tissue or spinal damage meets the state’s rigorous permanent injury threshold.

Internet lead-generation sites don’t understand New Jersey’s intricate, highly distinct auto insurance thresholds. They simply auction your file to out-of-state entities. With our new New Jersey location, Karns & Karns is fully integrated into the local legal market, protecting your recovery directly.

NJ’s “Limitation on Lawsuit” or Verbal Threshold is a major defense trap designed to bar payouts for pain and suffering unless an injury is legally “permanent.” Billboard lawyers often dump these cases or settle cheap. As trial attorneys, we gather specialized clinical documentation to break through this threshold and secure full damages.

The Turnpike is a massive freight corridor. We issue immediate Spoliation Letters to the carrier corporation to secure black box speed analytics, driver hours-of-service data, and vehicle diagnostic reports before they can legally clear the engine memory.

New Jersey applies a comparative fault rule. If a driver aggressively brakes or acts out of road rage, causing a highway collision, we use forensic investigation to prove their negligence contributed to the crash, ensuring your financial rights are preserved.

Yes. New Jersey’s major roads are filled with commercial gas stations and retail facilities. We dispatch our investigators directly to these sites to demand video preservation before their automated internal systems erase the recording.

New Jersey adjusted its bodily injury liability floors to $35,000 per person. For catastrophic collisions, this minimum is still rarely enough. We map out your own Underinsured Motorist (UIM) coverage and commercial umbrella layers to unlock the maximum funding needed for your recovery.

Adrenaline masks major spinal trauma and nerve damage right after a crash. If you wait days to see a doctor, New Jersey auto insurers will weaponize that delay, legally claiming your injuries were pre-existing or minor, destroying your leverage.

Yes. Commercial property owners in New Jersey have a strict, non-delegable duty to maintain safe walkways. If cracked concrete, unaddressed leaks, or neglected hazards caused your fall, we hold the management company financially liable for your medical costs.

Early treatment prevents the insurance company from claiming your injuries were pre-existing. A same-day doctor’s report is the strongest way to link your pain directly to the crash.

Commercial policies are much larger, which means insurers fight harder. We spend the time investigating every party—from the driver to the cargo loader—to maximize your settlement.

Rear-end collisions are almost always the rear driver’s fault. We document the impact to prove that even “low speed” hits cause permanent spinal damage and nerve issues.

Yes. NJ highway accidents are often caught on private surveillance. We send legal letters to these businesses immediately to lock down the footage before it is overwritten.

NJ bodily injury minimums rose to $35k in 2026. We help you access these higher limits or your own UIM policy to ensure your serious medical bills are fully covered.