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

What can we help you find? Check out our FAQs.

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 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 New Jersey Auto Insurance Cover Crashes With Animals?

    In Crashes With Critters, Who Pays?

    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.​


    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.

  • What does "Respondeat Superior" mean?


    "Let the master answer."

    Respondeat Superior is a Latin term for a legal doctrine which determines whether an employer is legally responsible for the wrongful actions of an employee, if his or her actions occur during working hours, while handling workplace duties, or handling any business within the scope of their employment, provided the acts were unintentional.

    Pronunciation: [rehs-PON-dee-aht  soo-PEER-ree-er]

  • What does "No-Fault state" mean?

    New Jersey is a "no-fault state." In New Jersey, it means your own insurance company is responsible for covering your medical expenses, regardless of who or what causes an auto accident.

    As a result, you are required by New Jersey law to have PIP insurance as part of your auto insurance plan, which is protection designed to cover your medical expenses if you're in an auto accident. 

  • What is PIP insurance?

    PIP stands for Personal Injury Protection.  PIP insurance, which is sometimes called "no-fault insurance" is an additional type of protection under your auto insurance plan.  PIP helps to cover medical expenses (and occasionally, lost wages and funeral expenses) for injuries directly related to an auto accident.  This type of coverage pays out regardless of who is at fault.

    It differs from Bodily Injury Liability in that PIP covers medical expenses for your injuries, while Bodily Injury Liability covers the medical expenses of those you're legally liable for injuring.

    PIP may also cover some additional, non-medical expenses. If accident-related injuries prevent you from performing certain household duties, such as caring for your children, this insurance may cover the cost of daycare.

    Personal Injury Protection is optional is some states and mandatory in others.  It is mandatory in New Jersey.

    New Jersey is a No-Fault state where almost all drivers (with few exceptions) are required to have PIP coverage.

  • Why does my premium change based on what I drive?

    According to the Department of Transportation, speeding is still one of the leading causes of car accidents.

    Size, weight and type of car all determine top speed capabilities. Bigger, bulkier cars are typically slower than two-seater coupes.

    Additionally, many believe there is a correlation between drivers of varying vehicle types and their driving habits.  A mom of three, for example, with the lives of children in her care, will likely not drive a convertible roadster, whereas a young, single bachelor might.

    For these reasons, insurance companies consider the younger, single convertible driver to be more of an insurance risk. So that driver will pay more for the additional coverage an insurance company believes they will need to protect the driver from himself.

  • Why does my credit score affect my auto insurance?

    Your credit score, which is used to gauge the likelihood you'll pay back your loans, is also used to gauge your insurance risk. The reason, though it may seem unfair, makes a lot of sense. Insurance companies want to determine, based on your creditworthiness, how likely you are to file a claim.  If your credit score suggests that you're a responsible consumer, your insurance company will take that into account when determining how much risk they want to take with insuring you.

    Remember that car insurance is to protect yourself financially if you're in a car accident. So, it stands to reason your financial situation will be considered when insurance companies decide how much money they're willing to risk on you.

    Sadly, even if you have "good" credit, you may still end up paying more than someone with "excellent" credit, regardless of your driving history, simply because of your score.  You can have a clean driving record and just a "good" score, and you may still pay more than someone with a moving violation, but an "excellent" credit score.

    So pay your bills on time, all the time.

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