VOLUNTEER EDITOR- WANTED -
To serve as Assistant Editor of American Bar Association Elder Law Newsletter for the ABA GP Solo Division
and
Assistant Editor of the
NJ Municipal Court Law Review
Good for new lawyer and recent law grad who wants to improve their resume and networking skills who is between jobs.
Duties
- Review and Revise Legal and Consumer Law Articles for Grammar and Punctuation
- add articles to legal blogs and ABA newsletter distributor
- Work as Assistant Editor of the New Jersey Municipal Court Law Review
- Provide copies of published newsletters to Judges, Prosecutors and other New Jersey professionals
- Submit articles to websites and New Jersey Media with your name as Assistant Editor
- Type Rough Draft Articles
- Gain some legal and publication experience
- Part-time volunteer, 6 hours per week required in office
Editor Kenneth A. Vercammen, Esq.
Author of 125 Legal Articles
Send resume and cover letter to:
Kenneth Vercammen & Associates, P.C.
2053 Woodbridge Avenue
Edison, NJ 08817
Phone 732-572-0500
Fax: 732-572-0030
Website: www.njlaws.com
Wednesday, November 11, 2009
Tuesday, November 3, 2009
17:28-1. Separate risks and premiums; exceptions
17:28-1. Separate risks and premiums; exceptions
When a policy shall insure against more than one hazard or peril, the insurance against any specific hazard or peril shall not be separately cancelable unless the policy shall specify a separate premium for any such insurance so cancelable. No policy of life or endowment insurance or annuity contract authorized pursuant to paragraph "c" of section 17:17-1 of this Title shall assume any hazard or peril specified in any other paragraph of said section 17:17-1 except insurance against bodily injury or death by accident and upon the health of persons as specified in paragraph "d" of the said section. Any policy of liability insurance authorized by paragraphs "d" or "e" of said section 17:17-1 may contain a provision for payment on behalf of the injured party or for reimbursement of the assured for payment of medical, hospital, surgical and funeral expenses incurred, as a result of an accident, irrespective of legal liability of the assured, and an automobile liability policy may also contain a provision for payment of disability benefits to persons who are injured and death benefits to dependents, beneficiaries or personal representatives of persons who are killed if such injury or death is caused by accident and sustained while in or upon, entering or alighting from, or through being struck by an automobile, irrespective of legal liability of the assured, and such provisions shall not be deemed to be an accident insurance policy. The commissioner may order the discontinuance of any provision in a policy of automobile liability insurance providing for such disability or death benefits which he finds to be unjust, unfair, inequitable, misleading or contrary to law. Any policy of automobile liability insurance may also contain a provision for payment of part or all sums which the insured or his legal representative shall be legally entitled to recover as damages from the operator or owner of an uninsured automobile because of bodily injury, sickness or disease, including death resulting therefrom, or because of damage to property, sustained by the insured, caused by accident and arising out of the ownership, maintenance or use of such uninsured automobile.
When a policy shall insure against more than one hazard or peril, the insurance against any specific hazard or peril shall not be separately cancelable unless the policy shall specify a separate premium for any such insurance so cancelable. No policy of life or endowment insurance or annuity contract authorized pursuant to paragraph "c" of section 17:17-1 of this Title shall assume any hazard or peril specified in any other paragraph of said section 17:17-1 except insurance against bodily injury or death by accident and upon the health of persons as specified in paragraph "d" of the said section. Any policy of liability insurance authorized by paragraphs "d" or "e" of said section 17:17-1 may contain a provision for payment on behalf of the injured party or for reimbursement of the assured for payment of medical, hospital, surgical and funeral expenses incurred, as a result of an accident, irrespective of legal liability of the assured, and an automobile liability policy may also contain a provision for payment of disability benefits to persons who are injured and death benefits to dependents, beneficiaries or personal representatives of persons who are killed if such injury or death is caused by accident and sustained while in or upon, entering or alighting from, or through being struck by an automobile, irrespective of legal liability of the assured, and such provisions shall not be deemed to be an accident insurance policy. The commissioner may order the discontinuance of any provision in a policy of automobile liability insurance providing for such disability or death benefits which he finds to be unjust, unfair, inequitable, misleading or contrary to law. Any policy of automobile liability insurance may also contain a provision for payment of part or all sums which the insured or his legal representative shall be legally entitled to recover as damages from the operator or owner of an uninsured automobile because of bodily injury, sickness or disease, including death resulting therefrom, or because of damage to property, sustained by the insured, caused by accident and arising out of the ownership, maintenance or use of such uninsured automobile.
39:6A-9.1 Recovery from tortfeasor.
39:6A-9.1 Recovery from tortfeasor.
20. An insurer, health maintenance organization or governmental agency paying benefits pursuant to subsection a., b. or d. of section 13 of P.L.1983, c.362 (C.39:6A-4.3), personal injury protection benefits in accordance with section 4 or section 10 of P.L.1972, c.70 (C.39:6A-4 or 39:6A-10), medical expense benefits pursuant to section 4 of P.L.1998, c.21 (C.39:6A-3.1) or benefits pursuant to section 45 of P.L.2003, c.89 (C.39:6A-3.3), as a result of an accident occurring within this State, shall, within two years of the filing of the claim, have the right to recover the amount of payments from any tortfeasor who was not, at the time of the accident, required to maintain personal injury protection or medical expense benefits coverage, other than for pedestrians, under the laws of this State, including personal injury protection coverage required to be provided in accordance with section 18 of P.L.1985, c.520 (C.17:28-1.4), or although required did not maintain personal injury protection or medical expense benefits coverage at the time of the accident. In the case of an accident occurring in this State involving an insured tortfeasor, the determination as to whether an insurer, health maintenance organization or governmental agency is legally entitled to recover the amount of payments and the amount of recovery, including the costs of processing benefit claims and enforcing rights granted under this section, shall be made against the insurer of the tortfeasor, and shall be by agreement of the involved parties or, upon failing to agree, by arbitration.
20. An insurer, health maintenance organization or governmental agency paying benefits pursuant to subsection a., b. or d. of section 13 of P.L.1983, c.362 (C.39:6A-4.3), personal injury protection benefits in accordance with section 4 or section 10 of P.L.1972, c.70 (C.39:6A-4 or 39:6A-10), medical expense benefits pursuant to section 4 of P.L.1998, c.21 (C.39:6A-3.1) or benefits pursuant to section 45 of P.L.2003, c.89 (C.39:6A-3.3), as a result of an accident occurring within this State, shall, within two years of the filing of the claim, have the right to recover the amount of payments from any tortfeasor who was not, at the time of the accident, required to maintain personal injury protection or medical expense benefits coverage, other than for pedestrians, under the laws of this State, including personal injury protection coverage required to be provided in accordance with section 18 of P.L.1985, c.520 (C.17:28-1.4), or although required did not maintain personal injury protection or medical expense benefits coverage at the time of the accident. In the case of an accident occurring in this State involving an insured tortfeasor, the determination as to whether an insurer, health maintenance organization or governmental agency is legally entitled to recover the amount of payments and the amount of recovery, including the costs of processing benefit claims and enforcing rights granted under this section, shall be made against the insurer of the tortfeasor, and shall be by agreement of the involved parties or, upon failing to agree, by arbitration.
Monday, November 2, 2009
Helping Persons Injured in Accidents in Bonhampton Edison Middlesex County 08837
Helping Persons Injured in Accidents in Bonhampton Edison Middlesex County 08837
Have you been injured in an accident in this area? You may be entitled to damages from the insurance company of the negligent party. We help injured persons so they don’t get the run around by the insurance company.
Who has not had problems in the past with insurance companies failing to pay bills or losing your paperwork? We also help clients fill out the insurance applications to require insurance company to pay medical bills. Call Kenneth Vercammen’s office to schedule a confidential consult.
If injured, to do…….
1. Witnesses will be a tremendous help to you in any subsequent court action, if there is any question of liability involved. Get the names and addresses of as many witnesses as possible. If they refuse to identify themselves, jot down the license plate numbers of the their automobiles. Do not discuss the accident with the witnesses. Do not give the witnesses to anyone but the police, your attorney or your insurance company.
2. Do not assign or accept blame for the accident.
- The scene of the accident is not the place to determine fault. Discuss the accident only with the police, your attorney and with representatives of your insurance company. Give the other party only your drivers license number, registration number and insurance information. Be cooperative with the police.
3. Seek hospital attention.
5 . Seek medical treatment and physical therapy from a Doctor after released from hospital
6. Call your insurance company to report the accident.
7. Call: Kenneth A. Vercammen, Attorney At Law (732) 572-0500
When you need help the most, we will be ready to help you.
8. Obtain a copy of the police report to make sure all information is correct. Never give a signed statement to the claims adjuster representing the other driver's insurance company. The same goes for a phone recording. They may be used against you in court.
Fighting Insurance Companies
To do by attorney
- Send Claim letter to defendant insurance company
- Review hospital and medical records
- File Complaint
- Answer Interrogatories
- Handle depositions
- Obtain expert reports
- Prepare Arbitration statement
- Attend Arbitration
- Prepare for Trial
More information at Helping Injured Persons Screwed by Insurance Companies http://www.njlaws.com/helping_injured_persons_screwed_by_insurance_co.htm
Have you been injured in an accident in this area? You may be entitled to damages from the insurance company of the negligent party. We help injured persons so they don’t get the run around by the insurance company.
Who has not had problems in the past with insurance companies failing to pay bills or losing your paperwork? We also help clients fill out the insurance applications to require insurance company to pay medical bills. Call Kenneth Vercammen’s office to schedule a confidential consult.
If injured, to do…….
1. Witnesses will be a tremendous help to you in any subsequent court action, if there is any question of liability involved. Get the names and addresses of as many witnesses as possible. If they refuse to identify themselves, jot down the license plate numbers of the their automobiles. Do not discuss the accident with the witnesses. Do not give the witnesses to anyone but the police, your attorney or your insurance company.
2. Do not assign or accept blame for the accident.
- The scene of the accident is not the place to determine fault. Discuss the accident only with the police, your attorney and with representatives of your insurance company. Give the other party only your drivers license number, registration number and insurance information. Be cooperative with the police.
3. Seek hospital attention.
5 . Seek medical treatment and physical therapy from a Doctor after released from hospital
6. Call your insurance company to report the accident.
7. Call: Kenneth A. Vercammen, Attorney At Law (732) 572-0500
When you need help the most, we will be ready to help you.
8. Obtain a copy of the police report to make sure all information is correct. Never give a signed statement to the claims adjuster representing the other driver's insurance company. The same goes for a phone recording. They may be used against you in court.
Fighting Insurance Companies
To do by attorney
- Send Claim letter to defendant insurance company
- Review hospital and medical records
- File Complaint
- Answer Interrogatories
- Handle depositions
- Obtain expert reports
- Prepare Arbitration statement
- Attend Arbitration
- Prepare for Trial
More information at Helping Injured Persons Screwed by Insurance Companies http://www.njlaws.com/helping_injured_persons_screwed_by_insurance_co.htm
Helping Persons Injured in Accidents in Bodine, North Brunswick Middlesex County 08902
Helping Persons Injured in Accidents in Bodine, North Brunswick Middlesex County 08902
Have you been injured in an accident in this area? You may be entitled to damages from the insurance company of the negligent party. We help injured persons so they don’t get the run around by the insurance company.
Who has not had problems in the past with insurance companies failing to pay bills or losing your paperwork? We also help clients fill out the insurance applications to require insurance company to pay medical bills. Call Kenneth Vercammen’s office to schedule a confidential consult.
If injured, to do…….
1. Witnesses will be a tremendous help to you in any subsequent court action, if there is any question of liability involved. Get the names and addresses of as many witnesses as possible. If they refuse to identify themselves, jot down the license plate numbers of the their automobiles. Do not discuss the accident with the witnesses. Do not give the witnesses to anyone but the police, your attorney or your insurance company.
2. Do not assign or accept blame for the accident.
- The scene of the accident is not the place to determine fault. Discuss the accident only with the police, your attorney and with representatives of your insurance company. Give the other party only your drivers license number, registration number and insurance information. Be cooperative with the police.
3. Seek hospital attention.
5 . Seek medical treatment and physical therapy from a Doctor after released from hospital
6. Call your insurance company to report the accident.
7. Call: Kenneth A. Vercammen, Attorney At Law (732) 572-0500
When you need help the most, we will be ready to help you.
8. Obtain a copy of the police report to make sure all information is correct. Never give a signed statement to the claims adjuster representing the other driver's insurance company. The same goes for a phone recording. They may be used against you in court.
Fighting Insurance Companies
To do by attorney
- Send Claim letter to defendant insurance company
- Review hospital and medical records
- File Complaint
- Answer Interrogatories
- Handle depositions
- Obtain expert reports
- Prepare Arbitration statement
- Attend Arbitration
- Prepare for Trial
More information at Helping Injured Persons Screwed by Insurance Companies http://www.njlaws.com/helping_injured_persons_screwed_by_insurance_co.htm
Have you been injured in an accident in this area? You may be entitled to damages from the insurance company of the negligent party. We help injured persons so they don’t get the run around by the insurance company.
Who has not had problems in the past with insurance companies failing to pay bills or losing your paperwork? We also help clients fill out the insurance applications to require insurance company to pay medical bills. Call Kenneth Vercammen’s office to schedule a confidential consult.
If injured, to do…….
1. Witnesses will be a tremendous help to you in any subsequent court action, if there is any question of liability involved. Get the names and addresses of as many witnesses as possible. If they refuse to identify themselves, jot down the license plate numbers of the their automobiles. Do not discuss the accident with the witnesses. Do not give the witnesses to anyone but the police, your attorney or your insurance company.
2. Do not assign or accept blame for the accident.
- The scene of the accident is not the place to determine fault. Discuss the accident only with the police, your attorney and with representatives of your insurance company. Give the other party only your drivers license number, registration number and insurance information. Be cooperative with the police.
3. Seek hospital attention.
5 . Seek medical treatment and physical therapy from a Doctor after released from hospital
6. Call your insurance company to report the accident.
7. Call: Kenneth A. Vercammen, Attorney At Law (732) 572-0500
When you need help the most, we will be ready to help you.
8. Obtain a copy of the police report to make sure all information is correct. Never give a signed statement to the claims adjuster representing the other driver's insurance company. The same goes for a phone recording. They may be used against you in court.
Fighting Insurance Companies
To do by attorney
- Send Claim letter to defendant insurance company
- Review hospital and medical records
- File Complaint
- Answer Interrogatories
- Handle depositions
- Obtain expert reports
- Prepare Arbitration statement
- Attend Arbitration
- Prepare for Trial
More information at Helping Injured Persons Screwed by Insurance Companies http://www.njlaws.com/helping_injured_persons_screwed_by_insurance_co.htm
Helping Persons Injured in Accidents in Black Horse, North Brunswick Middlesex County 08902
Helping Persons Injured in Accidents in Black Horse, North Brunswick Middlesex County 08902
Have you been injured in an accident in this area? You may be entitled to damages from the insurance company of the negligent party. We help injured persons so they don’t get the run around by the insurance company.
Who has not had problems in the past with insurance companies failing to pay bills or losing your paperwork? We also help clients fill out the insurance applications to require insurance company to pay medical bills. Call Kenneth Vercammen’s office to schedule a confidential consult.
If injured, to do…….
1. Witnesses will be a tremendous help to you in any subsequent court action, if there is any question of liability involved. Get the names and addresses of as many witnesses as possible. If they refuse to identify themselves, jot down the license plate numbers of the their automobiles. Do not discuss the accident with the witnesses. Do not give the witnesses to anyone but the police, your attorney or your insurance company.
2. Do not assign or accept blame for the accident.
- The scene of the accident is not the place to determine fault. Discuss the accident only with the police, your attorney and with representatives of your insurance company. Give the other party only your drivers license number, registration number and insurance information. Be cooperative with the police.
3. Seek hospital attention.
5 . Seek medical treatment and physical therapy from a Doctor after released from hospital
6. Call your insurance company to report the accident.
7. Call: Kenneth A. Vercammen, Attorney At Law (732) 572-0500
When you need help the most, we will be ready to help you.
8. Obtain a copy of the police report to make sure all information is correct. Never give a signed statement to the claims adjuster representing the other driver's insurance company. The same goes for a phone recording. They may be used against you in court.
Fighting Insurance Companies
To do by attorney
- Send Claim letter to defendant insurance company
- Review hospital and medical records
- File Complaint
- Answer Interrogatories
- Handle depositions
- Obtain expert reports
- Prepare Arbitration statement
- Attend Arbitration
- Prepare for Trial
More information at Helping Injured Persons Screwed by Insurance Companies http://www.njlaws.com/helping_injured_persons_screwed_by_insurance_co.htm
Have you been injured in an accident in this area? You may be entitled to damages from the insurance company of the negligent party. We help injured persons so they don’t get the run around by the insurance company.
Who has not had problems in the past with insurance companies failing to pay bills or losing your paperwork? We also help clients fill out the insurance applications to require insurance company to pay medical bills. Call Kenneth Vercammen’s office to schedule a confidential consult.
If injured, to do…….
1. Witnesses will be a tremendous help to you in any subsequent court action, if there is any question of liability involved. Get the names and addresses of as many witnesses as possible. If they refuse to identify themselves, jot down the license plate numbers of the their automobiles. Do not discuss the accident with the witnesses. Do not give the witnesses to anyone but the police, your attorney or your insurance company.
2. Do not assign or accept blame for the accident.
- The scene of the accident is not the place to determine fault. Discuss the accident only with the police, your attorney and with representatives of your insurance company. Give the other party only your drivers license number, registration number and insurance information. Be cooperative with the police.
3. Seek hospital attention.
5 . Seek medical treatment and physical therapy from a Doctor after released from hospital
6. Call your insurance company to report the accident.
7. Call: Kenneth A. Vercammen, Attorney At Law (732) 572-0500
When you need help the most, we will be ready to help you.
8. Obtain a copy of the police report to make sure all information is correct. Never give a signed statement to the claims adjuster representing the other driver's insurance company. The same goes for a phone recording. They may be used against you in court.
Fighting Insurance Companies
To do by attorney
- Send Claim letter to defendant insurance company
- Review hospital and medical records
- File Complaint
- Answer Interrogatories
- Handle depositions
- Obtain expert reports
- Prepare Arbitration statement
- Attend Arbitration
- Prepare for Trial
More information at Helping Injured Persons Screwed by Insurance Companies http://www.njlaws.com/helping_injured_persons_screwed_by_insurance_co.htm
Helping Persons Injured in Accidents in Berdines Corner North Brunswick Middlesex County 08902
Helping Persons Injured in Accidents in Berdines Corner North Brunswick Middlesex County 08902
Have you been injured in an accident in this area? You may be entitled to damages from the insurance company of the negligent party. We help injured persons so they don’t get the run around by the insurance company.
Who has not had problems in the past with insurance companies failing to pay bills or losing your paperwork? We also help clients fill out the insurance applications to require insurance company to pay medical bills. Call Kenneth Vercammen’s office to schedule a confidential consult.
If injured, to do…….
1. Witnesses will be a tremendous help to you in any subsequent court action, if there is any question of liability involved. Get the names and addresses of as many witnesses as possible. If they refuse to identify themselves, jot down the license plate numbers of the their automobiles. Do not discuss the accident with the witnesses. Do not give the witnesses to anyone but the police, your attorney or your insurance company.
2. Do not assign or accept blame for the accident.
- The scene of the accident is not the place to determine fault. Discuss the accident only with the police, your attorney and with representatives of your insurance company. Give the other party only your drivers license number, registration number and insurance information. Be cooperative with the police.
3. Seek hospital attention.
5 . Seek medical treatment and physical therapy from a Doctor after released from hospital
6. Call your insurance company to report the accident.
7. Call: Kenneth A. Vercammen, Attorney At Law (732) 572-0500
When you need help the most, we will be ready to help you.
8. Obtain a copy of the police report to make sure all information is correct. Never give a signed statement to the claims adjuster representing the other driver's insurance company. The same goes for a phone recording. They may be used against you in court.
Fighting Insurance Companies
To do by attorney
- Send Claim letter to defendant insurance company
- Review hospital and medical records
- File Complaint
- Answer Interrogatories
- Handle depositions
- Obtain expert reports
- Prepare Arbitration statement
- Attend Arbitration
- Prepare for Trial
More information at Helping Injured Persons Screwed by Insurance Companies http://www.njlaws.com/helping_injured_persons_screwed_by_insurance_co.htm
Have you been injured in an accident in this area? You may be entitled to damages from the insurance company of the negligent party. We help injured persons so they don’t get the run around by the insurance company.
Who has not had problems in the past with insurance companies failing to pay bills or losing your paperwork? We also help clients fill out the insurance applications to require insurance company to pay medical bills. Call Kenneth Vercammen’s office to schedule a confidential consult.
If injured, to do…….
1. Witnesses will be a tremendous help to you in any subsequent court action, if there is any question of liability involved. Get the names and addresses of as many witnesses as possible. If they refuse to identify themselves, jot down the license plate numbers of the their automobiles. Do not discuss the accident with the witnesses. Do not give the witnesses to anyone but the police, your attorney or your insurance company.
2. Do not assign or accept blame for the accident.
- The scene of the accident is not the place to determine fault. Discuss the accident only with the police, your attorney and with representatives of your insurance company. Give the other party only your drivers license number, registration number and insurance information. Be cooperative with the police.
3. Seek hospital attention.
5 . Seek medical treatment and physical therapy from a Doctor after released from hospital
6. Call your insurance company to report the accident.
7. Call: Kenneth A. Vercammen, Attorney At Law (732) 572-0500
When you need help the most, we will be ready to help you.
8. Obtain a copy of the police report to make sure all information is correct. Never give a signed statement to the claims adjuster representing the other driver's insurance company. The same goes for a phone recording. They may be used against you in court.
Fighting Insurance Companies
To do by attorney
- Send Claim letter to defendant insurance company
- Review hospital and medical records
- File Complaint
- Answer Interrogatories
- Handle depositions
- Obtain expert reports
- Prepare Arbitration statement
- Attend Arbitration
- Prepare for Trial
More information at Helping Injured Persons Screwed by Insurance Companies http://www.njlaws.com/helping_injured_persons_screwed_by_insurance_co.htm
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