Basic Information about Insurance Claims


If you drive a car in New Jersey, you are required to carry auto insurance in the unfortunate but possible event that you may have a car accident. When this happens, we highly advise seeking legal assistance from a New Jersey car accident lawyer to help reap monetary damages to pay for your property damage and any possible medical bills and/ or lost wages you may incur in the event of a serious injury accident. Still, there are times when a car accident really isn't that serious, and you may be interested in learning what you need to file a claim for simple property damage.

Before Filing a Claim

There are specific steps you must take to ensure a smooth process. This includes preparing for you eventually filing a claim by collecting evidence and making vital phone calls. At the very top of your insurance claim checklist is the act of letting people know the accident occurred.

You must notify the police and your insurance company as soon as an accident occurs and everyone seems OK. The state of New Jersey is a "no fault" insurance state, which means you will be appealing to your own insurer for compensation. Exchange information with all drivers involved in the accident. Include these relevant data:

  • Your name
  • Insurance policy number
  • Insurance company's phone number
  • Your address
  • Your phone number and driver's license number

Don't forget to take note of the make and model number of the car that struck you, as well as its license plate number and how many passengers were involved in the crash. Before the cars are moved to the side of the road, take pictures of relevant information, from the obvious property damage endured to any scrapes and bruises, to street signs and landscapes (shows the weather at the time and time of day), these photos will be used alongside other information to determine the value of your claim.

To file an insurance claim, you will need to provide specific information about your insurance policy and the accident:

  • Your full name
  • The policy number for your insurance policy
  • The start and end date of your policy
  • The date and time of the traffic accident
  • Names, addresses, phone numbers of all drivers, passengers and witnesses
  • The driver's license and license plate numbers of all drivers involved

For serious car accidents that result in bodily harm, your best chance at receiving a fair settlement is to call a skilled personal injury attorney in New Jersey. James Vasquez has what it takes to present a strong case to your insurance company. Act quickly for a free consultation by calling (862) 247-8711.