Personal Injury Lawyer, Neptune NJ

To the auto policy first. In New Jersey the medical bills from a crash are paid by PIP under N.J.S.A. 39:6A-4 through the auto policy in your household, before your health plan, unless you chose the option on that auto policy that makes your health insurer primary, and the choice you made when you bought the policy decides which carrier the hospital on Route 33 should be billing. Give the hospital and every follow-up provider the auto policy and claim number, keep the health plan as the backup, and send us the declarations page so we can confirm which one is primary before a bill goes to collections or a lien attaches to your recovery.

Usually not the township, which surprises people, because in Ocean Grove the boardwalk, the beach and most of the land are held by a private religious association that leases lots to homeowners and businesses. A claim against a nonprofit owner raises New Jersey's charitable immunity rules, which can bar some claims and not others depending on why you were there and what the association was doing, so the facts of your visit matter. Tell us the block, whether you were on the boardwalk, a beach path or a house lot, and what brought you there, because the answer to that last question is what the immunity argument turns on. Give us that much and we will identify the right defendant before any letter goes out.

As two claims on two clocks. The claim against the driver is an ordinary injury claim, paid first through PIP on a household auto policy and then against the driver's liability and your own uninsured and underinsured coverage, with the two-year limit in N.J.S.A. 2A:14-2. The second claim is the one people miss: Route 35 and Route 33 are State highways, so if the crossing itself was part of the problem, that claim runs against the State under the Tort Claims Act and a written notice is due within ninety days under N.J.S.A. 59:8-8. Tell us exactly where you crossed and we will pull the crash report and photograph the crossing before anything about it changes.

Yes, for the notice. New Jersey's Tort Claims Act requires a written notice of claim served on the public entity within ninety days of the injury under N.J.S.A. 59:8-8, and a claim filed without it is generally barred, with only a narrow late-notice exception that a court has to approve. That applies to Neptune Township, to Monmouth County for Shark River Park and county roads, and to the State for the state highways. The lawsuit itself still has the ordinary two-year limit under N.J.S.A. 2A:14-2, but the two years mean nothing if the ninety days were missed. Call while the notice can still be served.

No fee unless we win. Injury cases are handled on a contingency basis, the percentage is explained in plain terms before you sign, and the first consultation is free. If you were hurt passing through, in a crash where Route 18 meets Route 33 or on a beach weekend in Ocean Grove, the parts of the case that have to happen in Neptune Township, the photographs, the crash report from the township police, the request to the property for its video, are done by us, and your treatment continues with your own doctors at home. What cannot be done from a distance is start late, so call while the scene still looks the way it did.