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New Jersey Insurance Defense Questions & Answers
2 Answers | Asked in Insurance Defense and Traffic Tickets for New Jersey on
Q: Hey I was told by insurance company I got a ticket in July of 2019 and I never got. I want to dispute.

Section 39:4-56. My insurance is sky high and I need it lowered especially if I've been wrongly accused.

H. Scott Aalsberg Esq.
H. Scott Aalsberg Esq. answered on Oct 21, 2020

You may want to look at another insurance company, as many won't charge an increase for this ticket.

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1 Answer | Asked in Insurance Defense for New Jersey on
Q: I live in NJ. I received a dealer's loaner car 'cause they are working on mine. They asked for my insurance card.

My policy only has liability/uninused motorist/PIP not collision and comphrehensive. Am I responsible if someone hits me?

Gerald D. Siegel
Gerald D. Siegel answered on Jun 1, 2020

if you don't have collision on your own auto policy and someone hits the rental car and damages it, the dealer's insurance company will pay to repair the car.

1 Answer | Asked in Car Accidents and Insurance Defense for New Jersey on
Q: Njpliga is trying to contact me about a hit and run that happened over 2 years ago which i never knew about. Wasnt me

I never got to accident wasnt me in car never gave anyone permission dont know how this could have happened.

H. Scott Aalsberg Esq.
H. Scott Aalsberg Esq. answered on Apr 8, 2020

If it was your car that was involved in the accident there generally is a presumption that you were the one driving unless you can prove otherwise. I suggest hiring a good lawyer.

3 Answers | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for New Jersey on
Q: hi i have a questionabout car insurance
Leonard R. Boyer
Leonard R. Boyer answered on Dec 12, 2019

There is no listed question, so please include it.

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1 Answer | Asked in Business Formation, Business Law, Contracts and Insurance Defense for New Jersey on
Q: Should I have separate insurance policies for my rental LLC’s, or can it be a named insured on my personal policy?
Leonard R. Boyer
Leonard R. Boyer answered on Dec 5, 2019

Each LLC should have at least three members and it's own insurance policy. All LLCs should be owned by a "C" corp. Anything else is not going to protect you from personal liability. You really need to retain an experienced business and contracts attorney.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for New Jersey on
Q: i put insurance the next day after getting pulled over without it and can it lower the charges

i got pulled over because my insurance expired but i put insurance the next day what can still be the penalty

H. Scott Aalsberg Esq.
H. Scott Aalsberg Esq. answered on Feb 9, 2019

For a First Offense No Insurance charge, you face the loss of your license for one year, community service to be determined by the court and a fine between $300.00 and $1,000.00.

For a Second or Subsequent Offense you face a fine of up to $5,000.00 and imprisonment (jail) for 14 days and...
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2 Answers | Asked in Insurance Bad Faith, Insurance Defense and Traffic Tickets for New Jersey on
Q: i got a tickets for driving without insurance and what are the fines

but i put the insurance the same day i got the tickets

H. Scott Aalsberg Esq.
H. Scott Aalsberg Esq. answered on Feb 8, 2019

For a First Offense you face the loss of your license for one year, community service to be determined by the court and a fine between $300.00 and $1,000.00. I suggest setting up one of the free in office consultations that most of us lawyers offer and then hire one.

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1 Answer | Asked in Criminal Law, Products Liability, Insurance Defense and Securities Law for New Jersey on
Q: A year ago my father took my laptop to try and get it fixed. He gave it to a man that he found online.

We lost contact with this man and my father has almost no way to contact him. I had thousands of pictures and hundreds of documents on there and I am worried I won't get it back. How should we go about this??

H. Scott Aalsberg Esq.
H. Scott Aalsberg Esq. answered on Dec 13, 2017

Best bet is to hire a PI to find the guy if it is important to you, then you can determine what your best options are. If you can't find the guy you can't really do much. He did not steal the laptop and may have tried to contact you and he may say you did not pay for the services... Read more »

1 Answer | Asked in Car Accidents and Insurance Defense for New Jersey on
Q: My son had a bad car accident. It was documented that he was attempting suicide at the time. The insurance co wont pay.

Do I have any recourse to appeal the denial?

H. Scott Aalsberg Esq.
H. Scott Aalsberg Esq. answered on Oct 10, 2017

A lawyer would need to review your insurance policy to tell you what your rights are under said insurance.

1 Answer | Asked in Insurance Defense and Traffic Tickets for New Jersey on
Q: If person is behind light pole and not in designated crosswalk do you have to stop if it appears they are not crossing

Police decoy at corner but by the opposite side of light pole away from crosswalk which is painted at proper place to cross at corner he was not in crosswalk

H. Scott Aalsberg Esq.
H. Scott Aalsberg Esq. answered on May 14, 2017

I would fight this as he was not in the crosswalk, but will the officer admit to this when he goes to court will probably be your problem. But if you want the best chance to win get a good lawyer not a cheap lawyer as cheap lawyers are generally never good.

1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Real Estate Law for New Jersey on
Q: Insurance is refusing to cover leak to my service line because it traverses neighboring property. Will an easement help?

I am enrolled in an insurance policy that covers repairs to my service line. I have informed them about my line running through neighbor's property before enrolling. They are now telling me they will not cover because they do not repair lines in other properties. My neighbor has the same... Read more »

Leonard R. Boyer
Leonard R. Boyer answered on Dec 29, 2016

I do not think an easement will help. However, you can sue the insurance company to force them to make repairs. However, you would at all times be liable for your own attorney fees and costs. Whether or not a Court will Order the insurnace company to pay your legal fees is unknown. Good luck.

1 Answer | Asked in Traffic Tickets, Insurance Defense and Municipal Law for New Jersey on
Q: 2 tckts on me at a scene. Reckless driving & Improper turn at signal. Tckt is not yet on system. Shd I consult lawyr bfr

I am an international graduate student, graduating this December.

On Nov 6th, I mistakenly (assuming it is a legal turn as I did not notice the sign board which is kept to the other side) took a wrong left turn on a highway junction. The (bmw) car coming from the other side hit my car... Read more »

H. Scott Aalsberg Esq.
H. Scott Aalsberg Esq. answered on Nov 8, 2016

If you are charged with reckless driving you definitely need to hire a lawyer becase for a first offense you face up to 60 days in jail and or a fine plus 5 points on your license plus 3 points for the improper turn giving you a total of 8 points. Add in the fact that the insurance did not have... Read more »

1 Answer | Asked in Personal Injury, Insurance Bad Faith and Insurance Defense for New Jersey on
Q: If you get a motorcycle in a trade, does it have to be registered in NJ before you can trade it again?

I test drove a motorcycle and got into an accident. Come to find out the motorcycle had no insurance, was not registered and still had the Pennsylvania tags on it from the previous owner. The person that has possession of it has the title but refuses to register or insure it because she... Read more »

Adam Studnicki
Adam Studnicki answered on Nov 8, 2015

As far as the injury claim, talk to an injury lawyer about a potential lawsuit.

Please Take Notice: I am not your lawyer unless we enter into an engagement agreement in writing. This is only general information. It is NOT legal advice, and it may not work for your specific situation. It is...
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