New Jersey Accident Lawyer Raffi T. Khorozian
Hurt in a crash anywhere in New Jersey? Raffi handles your claim personally, and the consultation is free.
- Injury cases since 1993
- Thousands of motor vehicle accident cases
- Call any time, 24/7
- English y español
Hurt in a crash in New Jersey? You work with Raffi himself, from the first call to the end of your case.
About Raffi
How it works
- Call or send a messageReach the firm any time, 24/7, at 855-RAFFI-25 or through the form.
- Free consultationMeet at the Fort Lee office, at a meeting location by appointment, or at your home if you can't travel.
- Raffi takes it from thereHe handles your claim personally and explains each step in plain language.
How a New Jersey crash claim works
New Jersey is a no-fault state, so most crash cases run on two tracks. Your own policy’s Personal Injury Protection (PIP) pays your medical bills first, no matter who caused the crash.
A second claim, against the at-fault driver’s insurer, can cover what PIP doesn’t. That can include pain and suffering, if your injury meets the lawsuit option you chose on your policy.
Raffi works out which coverage applies, deals with the adjusters, and explains in plain language what your policy allows. The car accident page goes through each step.
How fees work
The consultation is free. If you hire the firm on a contingency fee, there is no attorney’s fee unless money is recovered for you. If there is no recovery, you may still be responsible for case costs, as explained in your retainer agreement.
Raffi goes over the written agreement with you before you decide.
16 locations in 7 counties
The main office is in Fort Lee, with meeting locations across New Jersey by appointment.
Common questions
- What is PIP in New Jersey?
- Personal injury protection, or PIP, is the part of your own auto policy that pays medical bills after a crash, no matter who caused it. New Jersey is a no-fault state, so your own insurer usually pays for your treatment first. See the guide to PIP and medical bills.
- How much PIP coverage do I have?
- It depends on what was chosen when the policy was bought. A standard New Jersey policy carries $250,000 in PIP medical coverage per person unless a lower option was picked, and the lowest option is $15,000. Your declarations page shows the amount, any deductible and co-pay, and whether you made your health insurance pay first. More in the medical bills guide.
- Who pays my medical bills if I was hit while walking?
- In New Jersey, a pedestrian's PIP generally comes from their own auto policy or from one belonging to a relative they live with. If no one in the household has a policy, the policy on the vehicle that struck them often pays. See pedestrian accidents.
- What is the 'limitation on lawsuit' option?
- Also called the verbal threshold, it is a choice on most New Jersey auto policies. If your policy has it, you can sue the driver who caused the crash for pain and suffering only if your injury fits one of the categories set by law. The 'no limitation' option keeps that right for any injury but costs more. See car accidents.
- Which injuries meet the lawsuit threshold?
- The statute lists six: death, dismemberment, significant disfigurement or scarring, a displaced fracture, loss of a fetus, and a permanent injury, meaning a body part or organ that has not healed and will not heal to normal function. A permanent injury has to be shown with objective medical proof. Read more on the car accident page.