After a serious motorcycle accident, you’re left dealing with more than just physical pain. Medical bills, lost income, and long-term care can quickly pile up. If your injuries are considered catastrophic, the claims process becomes more complex but also more important.
What counts as a catastrophic injury?
Catastrophic injuries are those that permanently change your life. In New Jersey, these often include spinal cord damage, traumatic brain injuries, amputations, and severe burns. These types of injuries usually require long-term or even lifelong medical treatment, rehabilitation, and support. Because of the severity, insurance companies will look closely at the claim and may try to limit payouts.
What insurance coverage applies in New Jersey?
New Jersey uses a no-fault system for car accidents, but motorcycles are treated differently. Motorcycle riders aren’t covered by personal injury protection (PIP) like drivers of cars. This means you typically need to file a claim against the at-fault party’s liability insurance to recover damages. If they don’t carry enough insurance or none at all, you might have to rely on your uninsured or underinsured motorist coverage.
What damages can you claim?
You can seek compensation for medical expenses, lost income, loss of earning capacity, and pain and suffering. If your injuries require future care, you can also claim those costs. Since catastrophic injuries often involve ongoing treatment, it’s important to include long-term expenses in your claim. Documentation like medical records, doctor evaluations, and employment records help support your case.
Don’t wait to start your claim
In New Jersey, you usually have two years to file a personal injury claim. Delaying can make it harder to gather evidence and get fair compensation. Start the process as soon as you can and keep detailed records of everything related to your injuries and expenses.