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Handling multi-vehicle pile-up claims in New Jersey

On Behalf of | Jul 4, 2024 | Motor Vehicle Accidents

If you find yourself involved in a multi-vehicle pile-up in New Jersey, understanding how to proceed with an insurance claim can be crucial. These incidents can be complex, involving multiple parties and differing accounts of the event. 

What makes multi-vehicle pile-ups unique?

In New Jersey, the process for handling insurance claims after a multi-vehicle accident differs from standard collision scenarios due to the number of involved parties. Unlike a typical two-car accident, pile-ups can involve several drivers. With more people involved it’s more challenging to determine who caused it. 

New Jersey’s comparative negligence rule might also affect your claim. This rule allows all the drivers to share fault based on each one’s contribution to the accident.

Your role in the claims process

After ensuring everyone’s safety and notifying the authorities, gathering evidence at the scene is your next step. It includes:

  • Taking photos of the accident site
  • Collecting the contact information of all involved parties and witnesses
  • Noting your observations

The law in New Jersey requires you to report any accident involving injury or significant property damage to the police. Your proactive steps can provide valuable details to your insurance adjuster. 

How insurers handle these claims

Insurance companies will typically conduct an in-depth investigation into multi-vehicle accidents. Adjusters from different insurers might collaborate to determine the details of the crash. The process can take longer than usual, given the complexity and the need to identify all contributing factors. 

Your insurer will examine the police report, witness statements, and any physical evidence from the scene to establish the sequence of events and decide on the fault.

Moving forward after a pile-up

Dealing with a multi-vehicle pile-up requires careful attention to detail. By actively participating in the process and keeping organized records, you can help ensure that your insurance company handles your claim efficiently and fairly.

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