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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 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.

  • 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.

  • 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.

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    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.

    Negotiation

    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.​

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    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.

  • What is PMI?

    Private mortgage insurance or PMI is a type of mortgage insurance usually required with conventional loans.

    When you make a down payment of less than 20% or refinance a conventional loan with an equity of less than 20%,

    it’s usually required in these scenarios as well. PMI is provided by private insurance companies and protects the lender

    if you stop making payments on your loan.

     

    Source: Consumer Financial Protection Bureau

    http://www.consumerfinance.gov/askcfpb/122/what-is-private-mortgage-insurance.html


     

  • What is flipping?

    The act of purchasing a property, renovating it and selling it for a profit, usually in a very short amount of time.

  • Does My Pet Need a Seat Belt?

    How do you travel safely with your furry friend?

    Do you think pets should be placed under the “Click-it-or-Ticket” law?

    According to the NJ government, the answer is yes.

    Believe it or not there are so many dangers for pets that aren’t properly strapped. Here are some reasons why you would want your pet to be properly strapped:

    • Distracting: Pets are just as distracting as our cell phones. Pets are just as anxious as children, and if these pets are out of control, drivers can get distracted and lose focus on the road.
    • Protect them: Not only are pets are distracting; they are things that families love and cherish. In an event of an accident, pets can seriously get injured or killed.
    • Keep them in one place: Pets can easily escape cars and get lost. Keep them secure in your car so that it doesn’t happen.
    • Protects your car: No one likes to have their interiors scratched, ripped, or worse. Keeping your pet in one place can protect your car from any damages if they aren’t roaming around.

    Fines for not having your pet properly secured can lead to a fine from $250-$1,000.

    There are multiple ways of securing your pets. From harnesses to special seat belts, to travel crates, there are various ways of properly securing your pet. Shop around, but make sure that it fits the standards of safety.

    Humans aren’t the only ones that need to “click-it-or-ticket!”

     

    Sources:

    "Car Safety for Dogs!" Squidoo. N.p., n.d. Web. 18 July 2014.

  • What does it mean to "sublet?"

    To allow someone else rent your home (for example: townhouse, apartment, condo, etc.), in which you are currently renting, over a period of time.  

  • What are the steps to filing a complaint under civil litigation?

    If you want to file a civil case/complaint against someone, use: http://www.judiciary.state.nj.us/prose/10554_ans_cmplt.pdf

    It will link you to the forms you need to fill out before a trial is set. Also, it helps you weigh in the pros & cons of having an attorney represent you vs. representing yourself. 

     

  • What is phishing?

    It is a fraud, often that occurs online, that pose as banks, providers, or other organizations, in order to get a hold of your personal information including, your bank account, credit card, social security number, or any other confidential information.  

    How do you prevent yourself from phishing?

    • Don't reveal any of your personal information without double checking if the website is reliable or not. 
    • If you aren't expecting any calls or emails from these organizations that they claim they are, don't answer them!
    • If an offer seems too good to be true, it most likely isn't true. Call the organization for a follow-up.
    • Don't be too quick to reveal information through the internet. 

  • What is a lien and why is it on my property?

    A lien is a claim that is on a property until the debt on that property has been paid off. A mortgage on your property is considered a lien. Any debts you may have, like a medical bill, could attach any properties you own and must be paid off at the sale of your property. If you have a mortgage on your property that mortgage is considered a lien. In short a lien is a debt that you owe to somebody that must be paid before you are able to sell your property.  

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