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Knowledge, experience, and dedication have brought the lawyers of The Epstein Law Firm to the forefront of their profession. From personal injury to civil litigation, they have built a strong record of success in achieving justice for their clients.
Our practice is diverse and well-established. Recognizing that every case is unique, we always begin by listening to you.
The Epstein Law Firm, P.A. has been successfully representing clients throughout New Jersey since 1973
A collision can leave you dealing with pain, medical appointments, vehicle repairs, missed work, and insurance questions at the same time. If you were injured in Englewood NJ, you may need to use your own auto coverage for immediate medical expenses while also investigating whether another driver or organization is responsible for your remaining losses.
The Epstein Law Firm, P.A. has represented clients throughout New Jersey since 1973. An Englewood NJ car accident lawyer can review the crash report, insurance policies, medical documentation, and available evidence; identify potentially responsible parties; and explain whether you may have a claim. For information about other injury matters, visit the firm’s broader Englewood NJ personal injury page.
The Epstein Law Firm
Car accident legal help
The Epstein Law Firm can review your car accident claim and explain the evidence, deadlines, and next steps that may apply.
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Your health and immediate safety come first. Once urgent concerns are addressed, these steps may help protect your ability to understand what happened and pursue available insurance benefits:
The Englewood Police Department Records Bureau states that most local crash reports are available five regular business days after the initial report. It provides access through CrashDocs and offers a complimentary copy to an involved person who supplies identification and accident information.
Questions after a crash in Englewood NJ? Call The Epstein Law Firm at (201) 231-7847 or request a free case evaluation.
New Jersey’s no-fault insurance system generally requires an injured person to look first to applicable Personal Injury Protection coverage. PIP can pay covered medical expenses without first determining who caused the crash. The applicable policy limit, deductible, copayment, treatment requirements, and other policy terms can affect the available benefits.
Some policyholders select the health-insurer-for-PIP option. When that election applies, qualifying private health insurance generally pays first and auto PIP provides secondary coverage. Medicare and Medicaid cannot be selected as the health-primary option. The actual policies and coverage-selection forms should be reviewed rather than assuming which insurer must pay.
PIP does not decide who caused the collision, pay every loss, or eliminate a possible liability claim. Depending on the evidence, an injured person may also have claims involving:
Many New Jersey motorists are subject to the limitation-on-lawsuit option. That option restricts claims for pain and suffering unless the injury falls within a statutory category, such as death, dismemberment, significant disfigurement or scarring, a displaced fracture, loss of a fetus, or a permanent injury supported by objective medical evidence. The limitation does not operate as a general ban on claims for economic losses.
New Jersey also follows modified comparative-negligence rules. A person who was partly responsible may still recover if their negligence was not greater than that of the party—or combined parties—from whom recovery is sought. The award is reduced by the injured person’s percentage of fault.
The other driver is not necessarily the only party whose conduct or insurance must be investigated. Depending on how the crash happened, potential responsibility may involve:
Responsibility is never automatic. A lawyer must evaluate each party’s conduct, relationship to the vehicle, insurance coverage, and connection to the collision.
Preserve what you already have without risking your safety or taking property that is not yours. The most useful early materials often include:
A lawyer may seek additional material such as nearby surveillance footage, vehicle-event data, phone records when legally appropriate, commercial-driver records, maintenance documents, and testimony from witnesses. Prompt action can matter because recordings may be overwritten and vehicles may be repaired or destroyed.
Let The Epstein Law Firm review the evidence. Call (201) 231-7847 or contact the firm online to discuss an Englewood NJ collision.
Car crashes can cause neck and back injuries, fractures, joint injuries, internal trauma, concussions, spinal injuries, scarring, and psychological harm. The nature and seriousness of an injury must be determined by qualified healthcare professionals—not by the vehicle’s appearance or an insurer’s early assessment.
Some symptoms are not immediately obvious. The CDC explains that concussion symptoms may appear at once or hours or days after an injury. Worsening headaches, repeated vomiting, seizures, unusual behavior, increasing confusion, weakness, slurred speech, unequal pupils, or difficulty waking require immediate emergency attention.
Depending on the claim, insurance coverage, and supporting evidence, recoverable losses may include:
Not every category applies in every case, and there is no universal settlement amount.
New Jersey generally requires a personal-injury lawsuit to be filed within two years after the claim accrues. Different accrual rules or exceptions may apply, including in claims involving minors or injuries that were not reasonably discoverable immediately.
A collision involving a state agency, municipality, county, public employee, public vehicle, or public roadway may trigger the New Jersey Tort Claims Act. That law generally requires notice within 90 days, subject to limited procedures for seeking permission to file late. Insurance policies can also impose prompt notice and cooperation requirements. A timely legal review can identify the rules that apply to the specific crash.
The legal work begins with learning what happened and identifying the unanswered questions. Depending on the circumstances, The Epstein Law Firm may:
The firm’s New Jersey car accident practice provides additional information about its work in motor-vehicle cases. The Bergen County NJ personal injury page addresses the firm’s broader injury practice throughout the county.
Get answers about an Englewood NJ car accident claim. Call (201) 231-7847 or schedule a free consultation with The Epstein Law Firm.
You do not need to know who was legally at fault, which insurer should pay, or what your claim may be worth before speaking with an attorney. Be prepared to explain how the collision happened, where you received treatment, which insurers have contacted you, and what records you currently possess.
Call The Epstein Law Firm at (201) 231-7847 or request a free case evaluation online. The firm can review the insurance, evidence, deadlines, and legal options that may apply to your Englewood NJ car accident.
The Epstein Law Firm can review the evidence, insurance issues, and next steps that may matter in your car accident claim.
These answers provide general information about New Jersey car accident claims. The facts, insurance policies, parties, jurisdiction, and available evidence can change the analysis.
Move to safety if possible, call for emergency assistance, report the crash, and obtain appropriate medical care. New Jersey requires prompt notice to law enforcement when a collision results in injury, death, or more than $500 in damage to one person’s property.
After addressing immediate safety, exchange driver and insurance information, photograph the scene if you can do so safely, and save witness details. Do not risk entering traffic to collect evidence. If you struck your head, monitor for symptoms and seek immediate emergency care for CDC-listed danger signs such as worsening headache, repeated vomiting, seizures, weakness, slurred speech, increasing confusion, or difficulty waking.
Sources: New Jersey Statute 39:4-130—Immediate Notice and Written Report; Englewood Police Department Records Bureau; CDC Concussion Symptoms and Danger Signs.
Request the report from the Englewood Police Department Records Bureau if Englewood police investigated the collision. The department states that most reports become available five regular business days after the initial report and can be accessed through CrashDocs.
An involved person may also request a complimentary copy by providing picture identification and accident information as directed by the Records Bureau. If law enforcement did not submit a report, New Jersey law may require the driver to file a written report within 10 days when the crash caused injury, death, or more than $500 in damage to one person’s property. NJDOT provides the SR-1 form and instructions.
Sources: Englewood Police Department Records Bureau—Motor Vehicle Crash Reports; NJDOT Self-Reporting Crash Information; New Jersey Statute 39:4-130.
PIP generally pays covered accident-related medical expenses first, unless a valid health-insurer-for-PIP election makes qualifying private health insurance primary. PIP is commonly called no-fault coverage because payment does not initially depend on who caused the collision.
Your policy’s limit, deductible, copayment, treatment requirements, and coverage selection can affect payment. If health insurance is primary, the health plan generally pays first and PIP becomes secondary. Medicare and Medicaid cannot be selected as the health-primary option. Review the actual auto policy, health plan, and coverage-selection form before accepting a denial or paying a disputed bill.
Sources: NJDOBI—Selecting Your Health Insurer for the PIP Option; 2026 New Jersey Auto Insurance Buyer’s Guide; NJDOBI—Standard Auto Insurance Policy.
You may pursue pain-and-suffering damages only if the injury satisfies one of the statutory categories or another applicable rule removes the limitation. The categories include death, dismemberment, significant disfigurement or scarring, displaced fractures, loss of a fetus, and qualifying permanent injuries supported by objective medical proof.
The lawsuit limitation primarily concerns noneconomic losses. It does not automatically eliminate claims involving property damage, lost wages, medical expenses, or other economic harm, although separate coverage and proof requirements still apply. Whether an injury qualifies requires review of the policy election and medical evidence; pain alone should not be treated as proof of a statutory permanent injury.
Sources: New Jersey Statute 39:6A-8—Limitation on Noneconomic-Loss Claims; NJDOBI—Standard Policy and Right-to-Sue Options; 2026 New Jersey Auto Insurance Buyer’s Guide.
Possibly, because New Jersey uses modified comparative negligence. Recovery is generally permitted when your share of negligence is not greater than that of the person—or combined parties—from whom you seek damages. Your award is then reduced by your percentage of responsibility.
An insurer’s initial fault assessment is not necessarily the final determination. Police reports, driver and witness statements, photographs, video, traffic laws, vehicle damage, and roadway configuration may affect the analysis. Avoid casually accepting a percentage of blame before the available evidence has been reviewed, particularly when several drivers or organizations may have contributed to the collision.
Sources: New Jersey Statute 2A:15-5.1—Comparative Negligence; NJDOBI—Auto Comparative Negligence Settlement FAQs.
Report the collision promptly and review every potentially applicable uninsured motorist policy. Uninsured motorist coverage may provide benefits when the responsible driver has no qualifying insurance, and a hit-and-run claim may be handled under UM coverage when policy and proof requirements are met.
Preserve photographs, witness details, video, debris information, and any description of the fleeing vehicle. Notify your insurer promptly because the policy may impose notice, cooperation, and documentation requirements. Underinsured motorist coverage is different: it may apply when the at-fault driver has insurance, but the available liability coverage is lower than the applicable UIM coverage and insufficient for the supported losses.
Sources: NJDOBI—Filing an Uninsured or Underinsured Motorist Claim; 2026 New Jersey Auto Insurance Buyer’s Guide; New Jersey Statute 39:4-130.
Preserve the crash report, photographs, videos, witness information, medical records, insurance documents, and vehicle-repair materials already available to you. Keep copies of letters, emails, claim numbers, bills, work restrictions, and wage records.
Do not enter a dangerous area, take property that does not belong to you, or interfere with medical treatment. A lawyer may seek evidence you cannot reasonably obtain yourself, including surveillance footage, vehicle-event data, commercial records, and testimony. HHS explains that patients generally have the right to inspect and obtain copies of medical and billing records held by covered providers and health plans, subject to limited exceptions.
Sources: HHS—Your Medical Records and HIPAA Access Rights; Englewood Police Department Records Bureau; NJDOBI—Filing an Auto Damage Claim With Another Insurer.
New Jersey generally provides two years from accrual to file a lawsuit for personal injuries caused by a wrongful act or negligence. The accident date often begins the analysis, but exceptions and different accrual rules may apply.
A claim involving a New Jersey state agency, municipality, county, public employee, public vehicle, or public roadway can require a notice of claim within 90 days. Claims against local entities must be presented to the proper local entity, while the state uses its designated process. Insurance policies may impose additional notice requirements, so the civil filing deadline should not be treated as permission to delay investigating the claim.
Sources: New Jersey Statute 2A:14-2—Personal Injury Filing Period; New Jersey Treasury—Tort and Liability Notice Requirements; New Jersey Statute 59:8-9—Late Notice of Claim.
Available compensation may include supported medical costs, lost income, reduced earning capacity, property damage, and qualifying noneconomic losses. Future treatment, rehabilitation, disability, disfigurement, and loss of ordinary activities may also be relevant when established by appropriate evidence.
The available categories depend on PIP benefits, the lawsuit option, liability, comparative fault, insurance limits, medical evidence, and the injury’s effect on work and daily life. Additional policy benefits may include income continuation, essential services, funeral expenses, and death benefits if purchased. There is no standard settlement value based solely on the type of collision or diagnosis.
Sources: 2026 New Jersey Auto Insurance Buyer’s Guide; NJDOBI—Standard Auto Insurance Policy; New Jersey Courts—Model Civil Jury Charges for Medical Expenses.
The process begins with a free case evaluation in which you explain what happened, your injuries, treatment, insurance communications, and available evidence. You do not need to determine fault or assemble a complete file before contacting the firm.
The legal team can identify records and policies requiring review, discuss important deadlines, and explain whether further investigation appears appropriate. If representation is offered, the fee arrangement and responsibilities should be explained in a written agreement. New Jersey’s Rules of Professional Conduct require contingent-fee agreements to state how the fee will be calculated and how litigation expenses will be handled. No lawyer can guarantee a recovery.
Sources: The Epstein Law Firm—Free Case Evaluation; New Jersey Courts—Rules of Professional Conduct, RPC 1.5.
Tell The Epstein Law Firm what happened and get clear guidance about your injury claim and legal options.
We want to express our deepest gratitude for the exceptional work you did to insure that our father’s unfortunate accident did not go unrecognized; my dear dad would have appreciated your professionalism, unstoppable work ethic and most of all your compassion every step of the way. Please know we have the highest regard and the utmost respect for you.
Thank you again for all of your help, support and advice. You’ve made a trying and difficult time much easier to deal with for my family and myself. You will never have any idea how much your efforts were, and will forever be appreciated.
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340 West Passaic Street Rochelle Park, NJ 07662
Fax: 201-845-5973 201-231-7847
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560 Sylvan Avenue, Suite 1000-A Englewood Cliffs, NJ 07632 (By Appointment Only)
201-734-3763
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18-20 Lackawanna Plaza, Suite 200 Montclair, NJ 07042 (By Appointment Only)
973-381-8410
The Epstein Law Firm
The Epstein Law Firm