Common Myths About Personal Injury Claims in New Jersey

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When considering filing a personal injury claim, there may be certain circumstances that are holding you back. However, it is important that you can determine if these circumstances are facts or myths. Continue reading to learn the common misconceptions of personal injury cases and how an experienced Morris County personal injury attorney at Lutz Injury Law can lead you to a decision.

What are common myths about personal injury claims?

If you neglect to reach out to a skilled New Jersey personal injury attorney beforehand, then you may be inclined to believe in the myths surrounding personal injury lawsuits. Nevertheless, the following are examples of common misconceptions about the claims process:

  1. It takes a long time to complete: your seasoned attorney at Lutz Injury Law will work to gather the important details of your case and put it through the court as soon as possible. If everything goes smoothly with each party involved, then you may get your settlement within a few months.
  2. Insurance does not cover the payment: usually, your or the other party’s insurance company will cover the costs of filing the claim or will pay for the remaining portion after you pay the deductible associated with your policy.
  3. It is uncomfortable to sue a family member or friend: as mentioned above, the other party’s insurance company usually will pay the settlement amount. So, your family member or friend will have to pay the deductible and then higher monthly payments or premiums to make up for their insurance company’s payments. But overall, you are not directly affecting their personal finances with your lawsuit.
  4. It is not worth it if I only have minor injuries: even if you just have a few bumps and bruises, you should file a claim to receive the financial compensation that you require for your medical bills. With that being said, it is important to seek medical attention regardless of how minor your injuries are, as they may develop into more serious conditions in the future.
  5. I can file a claim at any time: Like most states, New Jersey has a statute of limitations that restricts you from filing your claim after a certain time period has elapsed. For personal injury claims, this deadline is two years from the date of the accident. Even missing this timeframe by a day will permanently bar you from suing.

If you have any further questions regarding your potential personal injury claim, contact our firm today. We will evaluate your case and explore your legal options.


If you have been the victim of the negligence of another in an accident, please contact a qualified New Jersey personal injury attorney at Lutz Injury Law as quickly as possible following the subject accident.

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