If you've recently been in a car accident in New Jersey or Pennsylvania, you're likely dealing with more than just physical pain or vehicle damage. You're probably also fielding phone calls from insurance companies (yours and the other driver's) and trying to figure out what you're supposed to say, sign, or agree to. It’s easy to feel overwhelmed, especially when insurance adjusters seem friendly but keep pushing for quick answers or fast settlements.
Here’s the truth: the insurance company is not on your side. Whether it’s your own insurer or the at-fault driver’s, their goal is to settle your claim quickly – and for as little money as possible. If you’re not careful, you could end up signing away your rights or accepting far less compensation than you deserve.
At the Law Offices of Cohen and Riechelson, we’ve seen firsthand how early missteps with insurance companies can hurt a case. Whether your crash happened in a busy intersection in Trenton or on a highway through Bucks County, knowing your rights early can make a real difference in your recovery and your future.
Let’s walk through what you need to know to protect yourself and your recovery after a crash in NJ or PA.
Insurance Adjusters Move Fast for a Reason
After an accident, you might get a call within hours or days from an insurance adjuster. They’ll sound calm and helpful. They may even say they want to “get you taken care of quickly” or “make things easier for you.”
That sounds great – until you realize what’s actually happening.
Insurance adjusters are trained to minimize payouts. They may try to get you to give a recorded statement, sign paperwork, or accept a settlement before you’ve even seen a doctor or had your car properly assessed. They’re hoping you’ll agree to something before you understand the full extent of your injuries or damages.
In many cases, injuries like whiplash, soft tissue damage, or concussions don’t show up right away. Settling too early could mean you’re stuck with unpaid medical bills or ongoing pain with no recourse.
You Don’t Have to Go Through This Alone
The good news is you’re not required to deal with the insurance company by yourself. You have the right to talk to a car accident lawyer before giving any statements or signing anything. In fact, it’s one of the smartest things you can do to protect your claim.
A knowledgeable attorney can step in to communicate directly with the insurance company, help you avoid common mistakes, and make sure you're not being taken advantage of. That way, you can focus on getting the medical treatment you need and start to put your life back together.
Common Insurance Tactics to Watch Out For
Here are a few things insurance companies often do after a crash:
- They pressure you to settle early. Don’t assume they’re doing this to be helpful. Quick settlements usually benefit them – not you.
- They ask for a recorded statement. What you say can be used against you, even if you’re just trying to be honest or polite.
- They downplay your injuries. If you didn’t go to the ER immediately, they might argue that you weren’t really hurt – or that your injury isn’t related to the crash.
- They try to shift the blame. In both New Jersey and Pennsylvania, if you're found even partially at fault, it can reduce the amount you’re able to recover – and if you're more than 50% responsible, you might not recover anything at all. Adjusters know this and may look for ways to pin some of the responsibility on you, even when it’s not justified.
Don’t fall for these tactics. You have rights, and you don’t have to accept what they offer – especially if it feels rushed or unfair.
Know Your Legal Rights in NJ and PA
Both New Jersey and Pennsylvania have auto insurance systems that can significantly affect your ability to recover compensation after a crash.
In New Jersey, most drivers carry no-fault insurance. That means your medical expenses are usually covered by your own policy – through Personal Injury Protection (PIP) – regardless of who was at fault. But whether you can pursue additional compensation for pain and suffering depends on whether your policy includes a Limitation on Lawsuit or No Limitation on Lawsuit option.
In Pennsylvania, drivers choose between limited tort and full tort coverage. Limited tort policies can restrict your right to seek non-economic damages unless your injuries are serious or meet specific exceptions.
What you’re able to recover – whether it’s for medical bills, missed paychecks, or long-term pain – depends on your coverage, how badly you were hurt, and who was responsible. These aren’t always simple questions, which is why getting legal guidance early on can make a big difference.
The Sooner You Get Legal Help, the Better
Time matters in accident cases. Evidence can disappear, witnesses’ memories fade, and the window to file a claim can close faster than you expect. In both New Jersey and Pennsylvania, you generally have two years from the date of the crash to file a personal injury lawsuit.
Speaking with a lawyer early gives you the best chance to build a strong case and receive the full compensation you may be entitled to. It also takes the burden off your shoulders – you won’t have to keep answering insurance calls or worrying about what to say.
Talk to the Law Offices of Cohen and Riechelson About Your Car Accident
If you’ve been in a car accident in New Jersey or Eastern Pennsylvania, you don’t have to face the aftermath alone. At the Law Offices of Cohen and Riechelson, we understand how overwhelming it can be to deal with injuries, mounting bills, and pressure from insurance companies. Whether your accident happened near home in Trenton or Hamilton, during your commute through New Brunswick or South Brunswick, or while driving through Bensalem or Northeast Philadelphia, we’re here to help.
With offices in Hamilton, Philadelphia, and Bensalem, our team proudly serves clients throughout New Jersey and Eastern Pennsylvania, including Mercer, Middlesex, and Bucks Counties. No matter where you’re located, you can count on us to listen, explain your options, and guide you through the process with care.
If you’re feeling unsure about your next steps or being pushed to settle too soon, let’s talk. We’re ready to help you take back control and move forward with confidence. Contact us today.
Disclaimer: This blog is for informational purposes only and does not constitute legal advice. Every case is different, and the laws in New Jersey and Pennsylvania may apply differently depending on your specific situation. If you’ve been involved in a car accident, consult an attorney to discuss your rights and legal options.