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Phone: 732-967-9110
Joseph M. Ghabour & Associates LLC

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As a personal injury firm, we get asked a lot of interesting questions. Check out our FAQs and see what people are asking! If you have trouble finding what you're looking for, please let us know and we'll be sure to help!

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  • What is the most common injury in the winter?

    Broken bones or a sprained back, the most common injuries occur due to navigating snow and ice. Watch where you walk, slow down on the road, and use proper form when shoveling. Check out this article for more tips on staying safe this season! 

    Click here for tips on driving safely through the winter months.

  • Can I sue if I get hurt on someone's property while trick-or-treating?

    If negligence or fault can be found on the part of the property owner, yes you may have a case.

    If you get hurt this Halloween, it may be wise to consult an attorney before too much time lapses, making it more difficult to prove where and when you sustained your injuries. Questions? Give us a call or drop us a line.

    Check out these Halloween Safety Tips for ways to keep trick-or-treaters safe!

  • Don't helmets interfere with my ability to see on the road?

    A study sponsored by the National Highway Traffic Safety Administration (NHTSA) has shown that riders wearing helmets are no less able to see cars in adjacent lanes. Helmets have only a minor effect on one’s lateral field of vision, which is easily compensated for by turning one’s head slightly. What’s more, the full face helmets that this myth refers to also save the eyes from the constant force and pressure of the wind, which certainly do impact vision. 

    Consider the following statistics:

    • Helmets reduce the likelihood of a fatal accident by 35%. In other words, for every 100 un-helmeted riders killed on the road, 35 would have survived if all had worn helmets. Percent effectiveness would be significantly higher if only deaths from head injuries were considered.
    • In 2007, helmets saved the lives of an estimated 1,784 motorcyclists.
    • California’s mandatory helmet law, for example, reduced the cost of head injuries from motorcycle accidents from $36.6 million in 1991 to $15.9 million in 1992. That's more than half!
    • An average of several studies put the hospital charges of injured non-helmeted riders at 30% higher than their helmet-wearing counterparts.

    For more on the subject of helmets and motorcycle safety, order my free book, When the Open Road is Not So Friendly, available here.

    If you or a loved one has been injured in a motorcycle accident, get help. Our initial consults are totally free and without obligation. We're here to help.

  • What is the most common summertime injury?

    While there are disagreements on which is the most common injury, among the top are:


    Heat-related injury or illness

    • Overheating
    • Sunburn or sun poisoning
    • Dehydration

    Prevent it by covering up, slathering up (sunblock of SPF 50+), staying out of the sun for extended periods of time, and keeping a water bottle with you at all times (and remember to drink!)

    Water-related injuries

    • Drowning
    • Diving or swimming in unsafe areas

    Avoid swimming without a life-guard present. Parents, do not leave children unattended - even if they're seasoned swimmers. Obey signs that advise against diving in shallow pools, or swimming in treacherous waters. Exercise extreme caution when diving or swimming near boats.

  • Prequalified vs. Preapproved: What's the difference?

    Contrary to common misconception, prequalification is not the same as preapproval. Prequalifying for a mortgage doesn’t guarantee the amount you’ll be able to borrow. It’s only an estimate based on unverified finances. Preapproval provides you a more concrete number to work with, as lenders run your credit and verify your income prior to approving you for any amount. This is a much more solid number you can use to negotiate with sellers.

  • What is included in the NJ Move Over Law?

    This law requires drivers to reduce speed to less than the posted speed limit; be prepared to stop; and make a lawful lane change to at least one lane away from law enforcement vehicles, fire trucks and ambulances, and in some cases, tow trucks. Violators would face a maximum $500 fine.

    On Monday May 1st, 2017, Govenor Chris Christie signed “Michael Massey’s Law,” which is named for Michael Massey, a Freehold man who was killed when he was hit by a car while performing sanitation worker duties in Ocean Township.

    The amended law now includes sanitation workers because of the bill, sponsored by Sen. Jennifer Beck, R-Monmouth.

  • What is "hypermiling?"

    "Hypermiling" is a method of driving that maximizes a vehicle's fuel efficiency through careful and calculated techniques.


    Some helpful tips to maximize your fuel economy are:

    • Don't idle: Idling actually uses more gas than simply shutting off your parked vehicle.

    • Pack lightly: Excessive weight in or on your vehicle can significantly reduce your MPG.

    If you must haul cargo, avoid loading on top of your vehicle, which increases aerodynamic drag. Load your trunk or use a rear-mount cargo box.

    • Use cruise control on highways: This keeps your vehicle at a consistent speed, optimizing gas usage.

    • Drive responsibly: Excessive speeding or aggressive driving (repetitive speeding-acceleration-braking patterns) actually works against you, as it increases your accident risk and decreases your fuel economy.

    • Accelerate gradually: Gradually increasing speed uses less fuel than speeding up to get somewhere sooner.

    • Be mindful of your driving habits: Find a new driving route that will optimize your fuel efficiency.

    While you may not endeavor to be a hypermiling expert, it is never a bad idea to stretch your gas money a little further.

  • Does auto insurance cover crashes with animals?

    Springtime in New Jersey is a hotbed for animals in heat, making them more active and aggressive during the spring months. This increase in activity can be directly linked to an increase in collisions with critters. And it isn't limited to our state. Just yesterday, NJ.com reported of an Indiana car accident involving a 30-lb turkey!

    This raises a question about insurance coverage. Crashes with animals can do some serious damage to your vehicle. And your policy may or may not include coverage for animal-related collisions.Despite the name, collision coverage DOES NOT include coverage for crashes with animals.

    Comprehensive coverage does. Because comprehensive coverage is not required by law in the state of New Jersey, you may be on the hook for the repair costs incurred after a crash with an animal. Do you have comprehensive coverage? For help understanding your policy, reach out to us for a free policy review.

    There are a few things you can do to protect yourself from accidents with animals:

    • Drive slower (especially at night!)
    • Use your seatbelt. Always.
    • Watch for roadside animal activity (glare from eyes, grazing activity)
    • Drive in the middle lane to give animals clearance
    • Use your highbeams on dark roads
    • Honk your horn when you see animals to frighten them away
    • Review your car insurance policy for comprehensive coverage

    Have questions about your policy? Give us a call toll-free at (877) 721-7201

  • What does a Personal Injury Attorney Do?

    After an accident, you might be reluctant, even suspicious, to entrust your case to an attorney. You may question whether or not you need legal representation. Before you decide how to proceed, make sure you know what Personal Injury attorneys actually do.


    A personal injury attorney advocates on your behalf when you've been injured due to the negligence or wrongdoing of another. The initial steps to the litigation process include:

    Free Consultation

    The first step is a case review. Your attorney will conduct an evaluation of your insurance policy and your accident report. Your lawyer will advise you of your rights under your policy. We offer this service absolutely free of charge. Need help? Contact us.

    Treatment Follow-up

    Your attorney will keep in touch with you during your treatment to document your progress. Legal action is deferred until treatment is completed.

    Gathering Info

    Your legal team compiles all of your medical records to prepare a settlement package for your insurance company.


    The attorney will submit a settlement package, which starts the negotiation process. Once you receive an offer, you are advised of your rights and your lawyer will make recommendations but you ultimately decide whether you want to accept. If no offer is made or the settlement is not deemed to be fair, your attorney will initiate a lawsuit on your behalf.‚Äč


    The process is much more involved and varied based on each individual case, but this is a general overview of what you can expect. If you've been hurt in an accident, contact a personal injury attorney to find out what your case may entail. For a free case review, contact us today.

  • I was in a car accident. How long do I have to report it?

    According to NJ Law, every driver involved in an accident resulting in injury or death or property damage in excess of $500.00, regardless of fault, must make a report to the police by the quickest means possible and within 10 days of the accident.

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