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Signs an Insurance Company Is Acting in Bad Faith

February 12, 2026 by

Signs an Insurance Company Is Acting in Bad FaithInsurance policies are contracts. In exchange for premiums, insurance companies are legally required to handle claims fairly, promptly, and honestly. Unfortunately, insurance companies have a vested interest in minimizing the amount they pay out in claims. As a consequence, they may act in bad faith, wrongfully engaging in delays or denials, or offering far less than you need or are entitled to under your policy.

Recognizing the early warning signs of bad faith efforts by your insurer can help protect your legal rights. At the Law Offices of David J. Karbasian, PC, we have aggressively and successfully fought for the rights of clients who have been subjected to bad faith tactics by an insurance company.

What Insurance Bad Faith Means

In personal injury cases, insurance bad faith occurs when an insurer fails to handle an injury claim in a reasonable manner and in accordance with the provisions of your policy. This may include delaying payment for medical expenses, denying coverage without proper justification, undervaluing injury claims, or misrepresenting policy terms to avoid paying full compensation.

Not every disagreement rises to bad faith. Insurers are allowed to investigate claims and dispute liability when supported by evidence. The actions of your insurer may constitute bad faith when unfair or deceptive practices are used that go beyond the legitimate evaluation of your claim and interfere with your ability to recover fair compensation.

Common Signs Your Insurance Company May Be Acting in Bad Faith

Insurance bad faith rarely involves a single act but typically emerges through a pattern of conduct that delays, frustrates, or unfairly limits a valid claim. At Law Offices of David J. Karbasian, PC, we frequently see the following patterns while reviewing claim files and insurer communications for injured clients.

  • Unreasonable Delays in Processing or Payment

    Insurance companies must investigate and resolve claims within a reasonable time. Repeated delays, unexplained silence, or constant requests for the same documents may signal intentional stalling.

  • Denying a Claim Without a Clear or Valid Reason

    A denial should be supported by specific policy language and facts. Vague explanations or unsupported conclusions often indicate bad faith.

  • Failure to Properly Investigate the Claim

    Insurers are required to conduct a fair and thorough investigation before denying or limiting coverage. Ignoring evidence, failing to interview witnesses, or skipping inspections may constitute bad faith.

  • Lowball Settlement Offers

    Offering far less than the documented value of a claim can be a tactic to pressure policyholders into accepting inadequate compensation, especially when medical records or repair estimates clearly support higher damages.

  • Misrepresenting Policy Terms or Coverage

    Some insurers improperly claim exclusions apply when they do not or misstate coverage limits. Misrepresenting the terms of a policy to avoid payment is a classic bad faith practice.

  • Ignoring or Failing to Respond to Communications

    Consistently unanswered calls, emails, or letters may be more than poor service. Lack of communication can be evidence that the insurer is not acting in good faith.

  • Shifting Blame Without Evidence

    Assigning fault without a factual basis or suddenly changing positions to reduce or deny payment may indicate improper claim handling.

What Policyholders Can Do If Bad Faith Is Suspected

Policyholders should keep detailed records of all communications, request written explanations for delays or denials, and avoid giving recorded statements without legal advice. Early legal guidance can prevent further harm and protect the claim. At the Law Offices of David J. Karbasian, PC, we often step in at this stage to stop improper tactics before they cause lasting damage to a claim.

How a Personal Injury Lawyer Can Help

A personal injury lawyer reviews the insurer’s conduct, compares it against legal obligations, and identifies violations. When bad faith is proven, policyholders may be entitled to compensation beyond the original claim, including damages caused by the insurer’s misconduct.

Read Also: Insurance Settlements and Personal Injury Claims

Contact the Law Offices of David J. Karbasian, PC

If you believe an insurance company is treating you unfairly, you do not have to handle it alone. At the Law Offices of David J. Karbasian, PC, we offer free consultations and never charge a legal fee unless we recover compensation for you. We’re available evenings and weekends, and we can meet you at home or in the hospital if needed.

Call 856-667-4666 / 856-600-HURT or contact us online to discuss your situation. We’ll hold the insurance company accountable while you focus on moving forward.

Filed Under: Personal Injury Tagged With:

Bike Accidents Caused by Road Defects: Who’s Responsible?

January 29, 2026 by

Bike Accidents Caused by Road Defects Who’s ResponsibleBicyclists face risks that drivers rarely think about. A pothole, uneven pavement, or loose debris can throw a cyclist off balance in seconds.

When a bike accident is caused by a road defect, the key legal question becomes responsibility. Liability depends on who controlled, created, or failed to fix the dangerous condition, and at the Law Offices of David J. Karbasian, PC we look closely at maintenance records, complaint histories, and construction contracts to pinpoint which government agency, contractor, or property owner can be held accountable.

Why Roadway Defects Are Especially Dangerous for Cyclists

Bicycles offer no external protection and limited stability. Narrow tires, lack of suspension, and direct rider exposure mean even minor surface defects can cause sudden loss of control.

Cyclists often have no time to react, especially at normal riding speeds or in traffic, making road defects a serious safety issue rather than a minor inconvenience.

Common Road Defects That Cause Bicycle Accidents

Certain hazards are repeatedly linked to cyclist injuries, including potholes, cracked or broken pavement, uneven road surfaces, sunken or raised utility covers, loose gravel or debris, and deteriorated bike lanes.

Construction-related defects are also common, such as poor asphalt patching, steel plates, or abrupt surface height changes.

Legal Duty to Maintain Safe Roadways

Those responsible for roads have a legal duty to keep them reasonably safe for their intended use. This does not mean every defect must be eliminated immediately, but known hazards must be addressed within a reasonable time or clearly warned against.

Who May Be Responsible for a Bike Accident Caused by Road Defects

Government Entities

Cities, counties, or state agencies are often responsible for public roads and bike lanes. Liability usually depends on whether the agency knew or should have known about the defect that caused the accident but failed to act. As discussed below, New Jersey law imposes special notice and filing requirements for claims against government entities.

Suing a governmental entity in New Jersey can be challenging. If your injuries were caused by carelessness or negligence by a municipality or municipal employee, you want to speak with an experienced attorney.

Construction Companies and Contractors

When road defects arise from construction or utility work, the contractor performing the work may be liable. Poorly restored pavement, missing warning signs, or unsafe temporary surfaces frequently form the basis of claims against construction companies.

Utility Companies

Utility repairs often involve cutting into road surfaces. If the area is not properly restored or left uneven, the utility company may be responsible for resulting bike accidents.

Private Property Owners

Some defects originate on private property but affect public travel areas, such as parking lot entrances or private roads open to the public. In those cases, the property owner may bear responsibility.

Special Rules for Claims Against the Government

Claims involving public entities are governed by special laws that limit how and when lawsuits can be filed. In New Jersey, pursuant to the New Jersey Tort Claims Act, you must file a formal Notice of Claim within 90 days of your injury and then must wait at least six months before filing a lawsuit (which must be filed within two years of the date of your injury). Missing these deadlines can permanently bar recovery, regardless of how serious your injuries are.

Proving a Road Defect Caused the Bicycle Accident

Proving a road defect caused a bicycle accident requires clear evidence and legal analysis. A lawyer helps preserve photos and videos of the defect, document its size and location, and identify who was responsible for maintaining the roadway.

An experienced bike accident lawyer also obtains maintenance records, repair histories, and prior complaints to show the defect existed long enough to be discovered and fixed.

Witness statements and expert review may further establish that the defect, not rider error, caused the crash and support a strong liability claim.

Read Also: How To File a Motorcycle Accident Claim in NJ

Contact the Law Offices of David J. Karbasian, PC

If you’ve been injured in a bicycle accident caused by unsafe road conditions, you deserve answers and strong legal representation. At the Law Offices of David J. Karbasian, PC, we offer free consultations and never charge a legal fee unless we recover compensation for you. We’re available evenings and weekends, and we can meet you at home or in the hospital if needed.

Call 856-667-4666 / 856-600-HURT or contact us online. We’ll handle the legal process while you focus on recovery.

Filed Under: Motorcycle Accidents Tagged With:

When Contractors Can Be Sued for Unsafe Work Practices

January 15, 2026 by

When Contractors Can Be Sued for Unsafe Work PracticesConstruction sites are inherently dangerous, but serious injuries are not an unavoidable part of the job. Many construction accidents occur because basic safety rules are ignored, hazards are left unaddressed, or workers are rushed to meet deadlines.

When unsafe work practices cause injuries, contractors can be held legally responsible under certain circumstances. Understanding when a contractor can be sued is critical for injured workers and others harmed on or near construction sites, and it’s an issue the Law Offices of David J. Karbasian, PC carefully evaluates by examining who controlled the work, what safety rules applied, and how those rules were broken.

Common Causes of Construction Accidents

Construction accidents often stem from preventable failures. These include inadequate safety planning, lack of proper training, poor supervision, and failure to follow established safety standards.

Tight schedules and cost pressures can lead contractors to cut corners, increasing the risk of falls, struck-by injuries, electrocutions, and equipment-related accidents. When these failures are tied to contractor decisions or site control, legal liability may follow.

The Legal Duty Contractors Owe on Construction Sites

Contractors owe a legal duty of care to maintain reasonably safe conditions on construction sites. This duty applies not only to their own workers, but also to subcontractors, delivery personnel, and members of the public who may be exposed to construction hazards.

Duty of care means taking reasonable steps to identify dangers and either eliminate them or warn others. For example, leaving an unguarded trench or unsecured scaffolding may be a breach of this duty.

Situations Where Contractors Can Be Sued for Unsafe Work Practices

Violation of Safety Regulations

Failing to follow required safety rules is strong evidence of negligence. These regulations exist to prevent foreseeable injuries, and violations can directly support a construction accident claim.

Failure to Provide or Enforce the Proper Use of Safety Equipment

Contractors may be liable when they fail to supply proper safety gear or to enforce its use. Providing equipment is not enough—contractors must ensure it is used correctly and maintained.

Unsafe Scaffolding, Ladders, and Fall Hazards

Falls are a leading cause of construction injuries. Liability arises when scaffolding or ladders are improperly installed, overloaded, or uninspected, or when fall protection is missing.

Poor Supervision or Inadequate Training

Allowing untrained workers to perform high-risk tasks, or failing to supervise active work areas, can expose contractors to lawsuits in the event of injuries.

Hazardous Site Conditions Left Unaddressed

Uncovered trenches, exposed wiring, falling debris zones, and poorly marked dangers must be corrected promptly. Ignoring known hazards often forms the basis of contractor negligence claims.

General Contractors vs. Subcontractors

Liability in construction accidents often depends on who controlled the worksite or specific activity that caused the injury.

General contractors may be responsible for overall site safety, while subcontractors may be liable for hazards related to their specific work. In many cases, more than one party may share responsibility for a single accident.

Workers’ Compensation and Third-Party Lawsuits

Injured workers in New Jersey are generally barred by workers’ compensation laws from suing their employer for injuries suffered in the course of their employment. They may, however, still file a third-party lawsuit against any unrelated party whose negligence contributed to the accident. This may include subcontractors, manufacturers of dangerous or defective tools, or drivers of non-work-related motor vehicles. These third-party claims can provide compensation beyond what workers’ compensation covers.

Why Contractor Negligence Claims Are Complex

Construction accident cases require detailed investigation. Contracts between parties, site control, safety records, and witness testimony all play a role in determining liability. Preserving evidence early is often critical to building a strong claim.

How a Construction Accident Lawyer Can Help

An experienced construction accident lawyer in Cherry Hill, NJ, can identify responsible parties, analyze safety violations, and pursue full compensation for medical costs, lost income, and long-term harm. Legal guidance is especially important when multiple contractors or insurance carriers are involved.

Read Also: How Is Evidence Gathered in a Personal Injury Case?

Contact the Law Offices of David J. Karbasian, PC

If you’ve been injured in a construction accident, you deserve answers, support, and strong legal representation. At the Law Offices of David J. Karbasian, PC, we offer free consultations and never charge a legal fee unless we recover compensation for you. We’re available evenings and weekends, and we can meet you at home or in the hospital if needed.

Call 856-667-4666 / 856-600-HURT or contact us online to discuss your case. We’ll handle the legal process while you focus on recovery.

Filed Under: Construction Site Accidents Tagged With:

Legal Remedies for Injuries Caused by Automotive Defects

December 30, 2025 by

Legal Remedies for Automotive Defect InjuriesModern vehicles are built with thousands of components, and when even one fails, the results can be catastrophic. Crashes caused by automotive defects often leave victims with serious injuries and unanswered questions about who is responsible.

Unlike a standard collision, where fault usually lies with another driver, these cases focus on the manufacturer, the part itself, and the safety of the vehicle. Knowing your rights helps you protect yourself and your claim.

What Qualifies as an Automotive Defect

A vehicle defect is any type of flaw that makes the car unreasonably dangerous when used as intended or in a foreseeable way. This is different from normal wear-and-tear or damage caused by a crash. In such cases, New Jersey applies the legal principle of strict liability, which means that an injured person doesn’t have to prove negligence but only that the defect existed and caused the injury.

At the Law Offices of David J. Karbasian, we bring extensive experience to individuals hurt in any type of motor vehicle accident, including one caused by a dangerous or defective automotive part or product. To schedule a free initial consultation, contact us by email or call our offices at 856-600-HURT / 856-667-4666.

The Three Common Types of Vehicle Defects

Automotive defects generally fall into three categories, each involving different kinds of evidence and potential defendants:

  • Design Defects

Designers may not use reasonable care when visualizing a new vehicle, or they may fail to take potential risks into consideration when creating the design. Under those circumstances, even if every part is assembled correctly, the design itself creates unreasonable danger. Examples include SUVs with a high rollover risk, vehicles built with unprotected fuel tanks, or seats that collapse backward in rear-end collisions.

  • Manufacturing Defects

Manufacturing defect cases involve a lack of reasonable care at some stage of the manufacture or assembly of the vehicle. A batch of airbags may deploy explosively; brakes may be assembled with weak materials; or steering components may crack under normal use. Such defects often affect only certain lots or model years.

  • Failure to Warn

Manufacturers must provide reasonable warnings and instructions to potential users when foreseeable risks exist. If the manual omits tire-pressure requirements or fails to warn about overheating risks, the company may be liable when those hazards cause an accident.

Injuries Often Linked to Automotive Defects

As with injuries caused by driver error, injuries stemming from mechanical failure can often be severe. Common examples include:

  • Traumatic brain injury (TBI)
  • Spinal cord trauma
  • Burns caused by fuel system failures
  • Crush injuries from roof collapse
  • Airbag deployment injuries
  • Accidental or wrongful death \

Who Can Be Held Liable for Automotive Defects

Responsibility for a defect doesn’t fall on just one company. Under product liability principles, any party within the chain of distribution may have liability for injuries caused by the product:

  • The vehicle designer
  • The vehicle manufacturer
  • Component manufacturers, such as those making airbags, brakes, or tires
  • Dealerships, when they fail to disclose known defects or perform required updates
  • Repair shops, if improper work contributes to the failure

Legal Remedies Available to Injured Victims

A successful claim can recover compensation for:

  • Medical bills and future treatment costs
  • Lost wages and diminished earning capacity
  • Pain and suffering
  • Loss of companionship or consortium
  • Loss of enjoyment of life
  • Long-term disability or scarring
  • Property damage, including the vehicle

How an Experienced Product Liability Lawyer Can Help

Automotive defect cases require a technical approach. A lawyer familiar with these types of claims:

  • Works with engineers and crash-reconstruction experts to identify the defect
  • Preserves the vehicle and all evidence before it’s altered or destroyed
  • Reviews recalls, service bulletins, and manufacturer records for patterns of failure
  • Identifies all liable parties in the chain of distribution
  • Secures expert testimony to explain complex mechanical issues
  • Handles all communication with insurers and corporate defense teams
  • Calculates full damages, including long-term medical care and lost earning capacity
  • Prepares the case for trial when manufacturers refuse fair compensation

Read Also: Defects that Pose Risks to Motorcyclists

Contact the Law Offices of David J. Karbasian, PC

If you’ve been injured in an automotive defect incident, you deserve answers, support, and strong legal representation. At the Law Offices of David J. Karbasian, PC, we offer free consultations and never charge a legal fee unless we recover compensation for you. We’re available evenings and weekends, and we can meet you at home or in the hospital if needed.

Call 856-600-HURT or contact us online to discuss your case. We’ll handle the legal process while you focus on recovery.

Filed Under: Wrongful Death Tagged With:

Consumer Safety and Product Liability Rights

December 17, 2025 by

Consumer Safety and Product Liability RightsDangerous products make their way into homes every year—appliances that overheat, toys that break too easily, and tools that lack basic safety features. When a product fails in a way that injures someone, the law provides real protections for consumers.

Understanding those rights can make a major difference in how quickly you recover and whether you receive the compensation to which you are entitled.

What Product Liability Means Under New Jersey Law

Product liability refers to the legal responsibility that manufacturers, distributors, and retailers have when a defective product harms a consumer. New Jersey, like many states, recognizes the legal principle of strict liability in cases involving dangerous and defective products. In some circumstances, a person injured because of exposure to, or the malfunction of, a consumer product doesn’t have to prove the company was careless—only that the product was defective and caused the injury.

A few key terms help make the concept clearer:

  • Defective product: A product that is unreasonably dangerous when used as intended or in a reasonably foreseeable way
  • Chain of distribution: Everyone involved in getting the product to market—from the manufacturer to the retail store
  • Strict liability: A legal standard that eliminates the requirement of proving negligence

The Three Types of Product Defects

All defective product cases fall into one of three categories, and knowing which one applies helps determine who is liable and what evidence matters most.

Design Defects

These cases involve carelessness or lack of reasonable care in the design of the product. Accordingly, even if the product is built correctly, the design itself creates an unreasonable danger. Common examples include a space heater without an automatic shutoff or a power tool without a guard.

Manufacturing Defects

Here, the design is sound, but the manufacturer fails to use reasonable care at some stage of production, manufacture, assembly, or fabrication. It might be a bicycle with a cracked frame due to weak metal or a batch of medical devices contaminated during assembly.

Failure to Warn (Also Referred to as a Marketing Defect)

A product must include reasonable instructions or warnings that make users aware of known or foreseeable risks. If a chemical cleaner causes burns, but the label omits that risk, the manufacturer may be liable.

What an Injured Consumer Must Prove

Product liability cases in New Jersey apply the principle of strict liability, which eliminates the need to prove negligence. To bring a successful claim in New Jersey, an injured consumer must show:

  • The product contained a defect;
  • The defect directly caused the injury; and
  • The product was being used in a reasonably foreseeable manner.

Even though claimants don’t need to prove negligence, evidence still matters—photos, medical records, and the product itself can make or break a claim.

Common Product Liability Cases

Some items end up in litigation more often because they’re used daily or involve complex systems. Common examples include:

  • Household appliances
  • Children’s toys and baby gear
  • Power tools and lawn equipment
  • Motor vehicle parts
  • Medical devices and prescription drugs
  • Electronics powered by lithium-ion batteries

Compensation in a Product Liability Claim

When a dangerous or defective product causes injuries, damages can include compensation for:

  • Medical bills and future treatment
  • Lost income
  • Pain and suffering
  • Permanent disability or scarring
  • Property damage

The value of a claim depends on the severity of the injury and how the defect occurred, and these factors vary from case to case.

Why Legal Representation Matters

Product cases often involve multiple companies, insurance carriers, and technical experts. A product liability lawyer who handles these matters regularly can identify the defect, work with engineers to understand it, secure expert testimony, and build the evidence needed to pursue compensation. This support levels the playing field when facing large manufacturers or national retailers.

Read Also: The Different Types of Product Liability Claims

Contact the Law Offices of David J. Karbasian, PC

If you’ve been injured by a defective or unsafe product, you deserve answers, support, and strong legal representation. At the Law Offices of David J. Karbasian, PC, we offer free consultations and never charge a legal fee unless we recover compensation for you. We’re available evenings and weekends, and we can meet you at home or in the hospital if needed.

Call 856-600-HURT or contact us online to discuss your case. We’ll handle the legal process while you focus on recovery.

Filed Under: Product Liability Claims Tagged With:

How To File a Motorcycle Accident Claim in NJ

November 25, 2025 by

How To File a Motorcycle Accident Claim in NJA motorcycle crash can leave you facing painful injuries, medical bills, and questions about who will pay for your losses. Unlike car accident claims, New Jersey motorcycle accident claims follow different rules.

Motorcycle accidents are not covered under the state’s no-fault (PIP) system, meaning you must take specific legal steps to recover compensation. Understanding how to file a claim—and doing it correctly—can make the difference between a fair recovery and financial hardship.

Steps for Filing a Motorcycle Accident Claim in NJ

Step 1: Report the Crash and Gather Essential Evidence

Start by reporting the crash immediately. Under N.J.S.A. 39:4-130, any accident involving injury, death, or more than $500 in property damage must be reported to law enforcement. Always request a police report, which provides key facts such as the date, time, driver identities, and officer observations.

Next, collect and preserve evidence. Take clear photos of the crash scene, damage to your motorcycle, and visible injuries. Get witness names and contact information. Keep your helmet, torn clothing, or damaged riding gear.

Step 2: Notify Your Insurance Company

After the crash, notify your insurance company as soon as possible. Even though another driver may be at fault, your insurer needs documentation for potential uninsured/underinsured motorist coverage (UM/UIM).

Unlike car drivers, motorcyclists in New Jersey are excluded from the no-fault Personal Injury Protection (PIP) system, which normally covers medical bills regardless of fault. This means injured riders must file a third-party claim against the at-fault driver’s insurance—or use their own UM/UIM coverage if the driver is uninsured or underinsured.

Avoid giving recorded statements or signing documents before consulting an attorney. Insurance adjusters often look for ways to limit or deny payouts.

Step 3: File a Third-Party Claim Against the At-Fault Driver

A third-party claim is a demand for compensation filed with the at-fault driver’s insurance company. Your claim should include:

  • The police report
  • Medical records and bills
  • Photos of the crash and injuries
  • Witness statements
  • Proof of lost wages or employment impact

In this step, the insurer investigates liability—the legal responsibility for causing the crash. Liability often depends on showing that the other driver acted negligently.

Step 4: Negotiate, or File a Lawsuit if the Claim Is Denied

Once your claim is submitted, the insurer may respond with a settlement offer. However, initial offers are often too low to cover full medical and long-term losses. A motorcycle accident attorney negotiates on your behalf to secure fair compensation.

If the insurer denies your claim or refuses to settle fairly, your lawyer can file a personal injury lawsuit in New Jersey Superior Court.

A critical deadline applies here: under N.J.S.A. 2A:14-2, you generally have two years from the accident date to file a lawsuit. This is known as the statute of limitations—the legal time limit for taking action. Missing this deadline means losing your right to sue, regardless of the claim’s merits.

Step 5: Work With an Experienced Motorcycle Accident Lawyer

An experienced motorcycle accident lawyer in NJ handles every step of the process—investigating the crash, calculating damages, dealing with insurers, and representing you in court if needed.

Motorcycle claims often face bias; insurers may wrongly assume the rider was speeding or reckless. A skilled attorney presents objective evidence, such as skid analysis or witness testimony, to counter these assumptions.

Your lawyer also ensures that your claim covers both economic damages (medical bills, repairs, lost income) and non-economic damages (pain, suffering, and reduced quality of life).

Read Also: Liability for No-Contact Motorcycle Accidents

Contact the Law Offices of David J. Karbasian, PC

If you’ve been injured in a motorcycle accident, you deserve answers, support, and strong legal representation. At the Law Offices of David J. Karbasian, PC, we offer free consultations and never charge a legal fee unless we recover compensation for you. We’re available evenings and weekends, and we can meet you at home or in the hospital if needed.

Call 856-600-HURT / 856-667-4666 or contact us online to discuss your case. We’ll handle the legal process while you focus on recovery.

Filed Under: Motorcycle Accidents Tagged With:

Steps To Take After a NJ Car Accident Claim

November 6, 2025 by

Steps to Take After a Car Accident in NJ | Legal GuideA car accident can turn your life upside down in seconds. Between injuries, insurance paperwork, and medical bills, knowing what to do next can feel overwhelming. Taking the right steps immediately after a crash not only protects your health but also strengthens your legal claim.

Unlike most other states, New Jersey follows a no-fault approach to insurance coverage for car accidents, so it’s crucial to understand your responsibilities—and your rights—before speaking with insurers or signing anything.

Step 1: Ensure Safety and Report the Accident

Your safety and the safety of others come first. If possible, move vehicles to a safe location and call 911 right away. Even if the collision seems minor, always wait for the police. Under New Jersey law (N.J.S.A. 39:4-130), you must report any crash that causes injury, death, or property damage over $500.

Ask for a copy of the police report—this official document includes critical details such as the date, time, driver information, and officer observations. Insurance companies and courts often rely on it when determining fault or liability.

Step 2: Gather Evidence at the Scene

Evidence collected at the accident scene can make or break a claim. Use your phone to photograph:

  • Vehicle damage from multiple angles
  • Skid marks, debris, and road conditions
  • Injuries to yourself or passengers
  • Traffic signals, signs, or surveillance cameras nearby

Exchange names, contact information, insurance details, and driver’s license numbers with all parties. If there are witnesses, politely ask for their names and phone numbers.

Example: If another driver ran a red light, witness statements and photos of the intersection could prove your version of events when insurers dispute liability.

Step 3: Notify Your Insurance Company

Under New Jersey’s no-fault insurance system, your own insurance—through Personal Injury Protection (PIP)—pays for your medical expenses and some lost wages, regardless of who caused the crash. This system is designed to provide fast access to medical care without waiting for fault to be determined.

However, be cautious when speaking with adjusters. Avoid recorded statements or accepting early settlements without legal advice. Insurance companies often aim to minimize payouts, and even a casual statement can be used against you later.

Step 4: Seek Medical Treatment and Track Your Recovery

Some injuries, such as concussions or whiplash, don’t appear immediately. Always seek a full medical evaluation within 24 hours of the accident. Follow your doctor’s recommendations and attend all follow-up appointments.

Keep detailed records of the following:

  • Medical bills and prescriptions
  • Doctor’s notes and diagnoses
  • Missed workdays and income losses

For example, if neck pain develops two days later, those medical records will link your injury directly to the crash—key evidence in both insurance and legal claims.

Step 5: Consult an Experienced Car Accident Lawyer

Navigating insurance claims and injury law can be complex. A skilled car accident lawyer in NJ can handle negotiations, gather evidence, and calculate full compensation for medical expenses, property damage, lost income, and pain and suffering.

A lawyer also ensures compliance with filing deadlines. In New Jersey, the statute of limitations for most car accident claims is two years from the date of injury. Missing this deadline can permanently bar your right to recover damages. Early legal representation helps preserve evidence and strengthens your case.

Read Also: Injured in a Car Accident? How a Lawyer can Help

Contact the Law Offices of David J. Karbasian, PC

If you’ve been injured in a car accident, you deserve answers, support, and strong legal representation. At the Law Offices of David J. Karbasian, PC, we offer free consultations and never charge a legal fee unless we recover compensation for you. We’re available evenings and weekends, and we can meet you at home or in the hospital if needed.

Call 856-420-6688 / 856-600-HURT or contact us online to discuss your case. We’ll take care of the legal process while you concentrate on your recovery.

Filed Under: Car Accident Tagged With:

Premises Liability: Legal Duties of Property Owners

October 13, 2025 by

Premises Liability: Legal Duties of Property OwnersWhen someone is injured on another person’s property, the law of premises liability determines whether the property owner may be held responsible.

In New Jersey, as in other states, property owners and persons in control of property have a legal duty to maintain their premises in a reasonably safe condition. When they fail to meet that obligation, and a visitor suffers harm, the injured party may have the right to pursue compensation.

What Is Premises Liability?

Premises liability is a form of negligence law that applies when unsafe property conditions cause injury to visitors.

The principle is straightforward: individuals and businesses that invite others onto their property must take reasonable measures to prevent foreseeable harm. This responsibility extends to private homeowners, landlords, commercial establishments, and even public entities in certain circumstances.

Although the general duty to maintain safe premises exists across the United States, the exact rules vary by state, including how courts classify visitors and what evidence is required to prove negligence.

Legal Duties of Property Owners

Under New Jersey law, the duty of care owed by a property owner depends largely on the visitor’s status:

  • Invitees: This type of visitor includes business customers, tenants, repairmen, food delivery workers, and others entering the property for the owner’s benefit. Owners owe the highest duty of care to invitees, including an obligation to actively inspect the premises for dangerous conditions and to correct or warn visitors of hazards.
  • Licensees: Social guests or others who enter for their own purposes but with permission are considered licensees. Owners must warn licensees of any known dangers that are not obvious.
  • Trespassers: Generally, no duty is owed to trespassers, except not to intentionally or recklessly cause harm. However, the “attractive nuisance” doctrine may impose liability if a child comes onto property and is injured in an unfenced pool or abandoned structure or playing on a trampoline.

Common Hazards That Lead to Liability

Premises liability claims often arise from dangerous conditions that could be corrected with reasonable care, including:

  • Slip and fall accidents on wet floors, icy sidewalks, or debris
  • Inadequate security leading to assaults in parking lots or apartment complexes
  • Structural defects such as broken stairs, loose railings, or collapsing ceilings
  • Dangerous or defective flooring, including torn carpet or linoleum or broken tile or hardwood
  • Poor maintenance of rental units or retail stores that creates fire hazards or unsafe walkways

Proving Premises Liability

To prevail in a premises liability claim, an injured plaintiff generally must establish:

  • A dangerous condition existed on the property.
  • The property owner knew, or reasonably should have known, about the condition.
  • The owner failed to take appropriate steps to repair the hazard or warn visitors.
  • The dangerous condition directly caused the injury.

Evidence such as photographs, witness testimony, incident reports, and medical records is often pivotal.

Compensation in Premises Liability Claims

Compensation is designed not only to cover immediate losses but also to address the long-term consequences of injury. Victims of unsafe property conditions may recover compensation for:

  • Medical expenses and future care needs
  • Lost income and diminished earning capacity
  • Pain, suffering, and emotional distress
  • Loss of enjoyment of life
  • Loss of companionship or consortium

Why Legal Representation Matters

Premises liability law is complex, and each case depends on facts, evidence, and jurisdiction. Property owners and their insurers frequently deny responsibility or attempt to shift blame to the injured party.

An experienced personal injury attorney can investigate the circumstances, preserve critical evidence, and advocate for fair compensation.

Read Also: New Jersey Premises Liability Claims

Contact the Law Offices of David J. Karbasian, PC

If you’ve been injured due to unsafe property conditions, you deserve answers, support, and strong legal representation. At the Law Offices of David J. Karbasian, PC, we offer free consultations and never charge a legal fee unless we recover compensation for you. We’re available evenings and weekends, and we can meet you at home or in the hospital, if needed.

Call 856-420-6688 / 856-600-HURT or contact us online to discuss your case. We’ll handle the legal process while you focus on your recovery.

Filed Under: New Jersey Premises Liability Claims Tagged With:

Drunk Driving Charges: What To Expect in New Jersey

September 23, 2025 by

Drunk Driving Charges What To Expect in New JerseyIf you’ve been charged with drunk driving in New Jersey—whether as a first-time or repeat offender—you face potential consequences that can affect your right to drive, your finances, your freedom, and your future. New Jersey law can impose strict penalties for conviction on a DUI charge, even for first-time offenders.

Let’s understand how a DUI is defined in New Jersey, what penalties you can expect, and how an experienced DUI lawyer in Cherry Hill, New Jersey, can protect your rights every step of the way.

What Constitutes a DUI in New Jersey

In New Jersey, unlike many other states, the terms “driving under the influence (DUI)” and “driving while intoxicated/impaired (DWI)” are commonly used interchangeably. Under New Jersey law, a person may be found guilty of drunk driving if his or her blood alcohol content (BAC), as measured by a breathalyzer or blood test, is 0.08% or higher. For drivers under 21, the legal limit drops to 0.01%. This is a per se offense, meaning prosecutors don’t need to prove visible impairment if your BAC exceeds the legal threshold. DUI in NJ also includes impairment from drugs, including prescription or over-the-counter medications.

The Penalties for First, Second, and Third DUI Offenses in New Jersey

OffenseFinesLicense SuspensionJail TimeOther Penalties
First DUI$250–$500Up to 1 year (BAC-dependent)Up to 30 days

– 12–48 hr IDRC (Intoxicated Driver Resource Center) Ignition interlock (if BAC ≥ 0.15%)

– $1,000 surcharge on tag renewal ( for 3 yrs)

Second DUI$500–$1,0001 to 2 years48 hrs to 90 days

– 30 days of community service

– Mandatory IDRC

– Ignition interlock (2–4 yrs)

Third DUI (and subsequent convictions)$1,0008 to 10 years180 days (90 mandatory, no parole)

– Mandatory IDRC

– Long-term ignition interlock post-suspension

Administrative and Court Processes After a DUI Arrest in New Jersey

After a DUI arrest in New Jersey, the legal process involves both the court system and the Motor Vehicle Commission (MVC). You’ll typically be taken to the station for a breathalyzer test, then issued a summons to appear in municipal court—not before a jury, but a judge. This criminal proceeding determines guilt or innocence, as well as sanctions, such as fines, jail, and other penalties.

Separately, the MVC handles the administrative suspension of your driver’s license. Because of New Jersey’s implied consent law, which requires that you submit to a blood alcohol test if a police officer requests one, your license can be automatically suspended for refusal to submit—even before your court case concludes.

Why Legal Representation Matters

A DUI charge in New Jersey carries serious, long-term consequences—but those penalties are not set in stone. An experienced DUI attorney understands how to evaluate the case from every angle:

  • Was the traffic stop lawful?
  • Were field sobriety tests properly conducted?
  • Were breathalyzer devices calibrated and administered correctly?

SA failure to follow procedures in any of these areas can render the evidence inadmissible in court, which can potentially lead to the dismissal of all charges.

Beyond courtroom defenses, an attorney can negotiate reduced penalties, alternative sentencing, or diversion programs, especially for first-time offenders. In repeat cases, counsel may argue for concurrent sentencing or reduced jail time.

Without legal guidance, you risk waiving some of your rights, missing deadlines, or failing to challenge flawed evidence—putting your license, livelihood, and freedom at risk

What To Do If You’ve Been Charged

If you’re facing a DUI charge in New Jersey, don’t say anything without first retaining a qualified criminal defense attorney.

Preserve all relevant evidence, photos, witness contacts, or medical records, and follow all court instructions carefully.

If referred to the Intoxicated Driver Resource Center (IDRC), attend as scheduled.

Read Also: New Jersey Motorcycle Accidents Involving Drunk Drivers

Contact the Law Offices of David J. Karbasian, PC

When you’ve been charged with DUI in New Jersey, don’t try to resolve matters on your own. Call us today at 856-600-HURT or send us a message to schedule a confidential consultation. Evening and weekend appointments are available, and we’re happy to meet you at your home or another convenient location if needed.

We defend DUI and DWI charges across Cherry Hill and the surrounding areas, providing clients with highly personalized attention and experienced legal strategy.

Filed Under: DUI Tagged With:

Injured in a Car Accident? How a Lawyer Can Help

September 8, 2025 by

Injured in a Car Accident? How a Lawyer Can HelpCar accidents happen fast, but the aftermath drags on. You’re in pain, missing work, and fielding calls from insurance adjusters who don’t have your best interests in mind. That’s where a personal injury lawyer comes in

If you have been hurt in a car accident, this guide walks you through exactly how legal help can protect your rights, ease the stress, and put you in the best position to recover full and fair compensation for all your losses

What To Do Immediately After the Crash

  • Call 911 and report the accident. Get medical help, even if the injury feels minor.
  • Document everything. Take photos of both vehicles, license plates, road conditions, visible injuries, and property damage.
  • Collect information. Get names, contact information, and insurance details from all drivers. Ask witnesses for contact information, too.
  • Do not admit fault. Be polite, but stick to facts when speaking with police.
  • Notify your insurance carrier. File a basic report, but avoid giving detailed statements before you speak to a lawyer.

How Insurance Companies Operate

Insurance companies are not on your side. Their job is to limit what they pay, not to ensure that you’re fully compensated. After a crash, they may offer a quick settlement, hoping you’ll take less than your claim is worth.

When you hire a car accident lawyer, you’ll have an experienced professional who can take over all communication, protect your rights, and help you pursue maximum compensation for your injury claim.

The Role of a Personal Injury Attorney

A qualified personal injury attorney does far more than send letters or talk to insurance adjusters. They begin by investigating the crash—reviewing police reports, medical records, and liability issues to establish fault. When necessary, they consult with expert witnesses (accident reconstructionists or medical professionals) to support your case.

Your attorney works with those experts to calculate the full value of your damages, including current and projected medical expenses, lost wages and income, loss of companionship or consortium, loss of enjoyment of life, and physical and emotional pain and suffering. They handle every aspect of the legal process, preparing all necessary documents, filing all required pleadings and acting as your voice in all hearings, meetings or proceedings.

Why Time Matters: The Statute of Limitations

New Jersey law gives you a two-year window from the date of your car accident to file a personal injury claim. A lawyer ensures all claims are filed on time, evidence is preserved early, and no procedural mistakes put your recovery at risk.

Read Also: Can You Be Liable for a Car Accident When You Weren’t Driving the Car

Contact the Law Offices of David J. Karbasian, PC

If you’ve been injured in a car accident, you deserve answers, support, and strong legal representation. At the Law Offices of David J. Karbasian, PC, we offer free consultations and never charge a legal fee unless we recover compensation for you. We’re available evenings, weekends, and can meet you at home or in the hospital if needed.

Call 856-600-HURT or contact us online to discuss your case. We’ll take care of the legal process while you concentrate on your recovery.

Filed Under: Car Accident Tagged With:

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