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Joseph Gable

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Joseph W. Gable, Jr. is an Associate and member of the Accident & Personal Injury Group in the Marlton, New Jersey office. Mr. Gable represents individuals that have been catastrophically injured or killed due to the negligence of others.

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If you own a vehicle in New Jersey, you are required to carry auto insurance. For many people, it is as simple as that, and they try to obtain the cheapest policy possible to meet the legal requirements. But sadly, many motorists in New Jersey are unaware that while your automobile insurance covers damages you may cause in an accident, your policy can also protect you and your loved ones.

While there are many parts to an auto insurance policy, here we will only look at two major components of a policy: Liability Coverage, also known as 3rd party coverage, and Uninsured/Underinsured Motorist (UM/UIM) coverage, also known as 1st party coverage. Both liability and UM/UIM generally have both bodily injury and property damage components. We will be dealing only with the bodily injury component for our purposes here.
Continue Reading What Is Uninsured and Underinsured Motorist Coverage and Why Should You Care?

While it may not have received a lot of mainstream media coverage, the recent passage of the New Jersey Insurance Fair Conduct Act (“NJIFCA”) was a huge victory for those injured in car crashes in New Jersey. The law was signed into effect by Governor Murphy on January 18, 2022, over the boisterous objection of the insurance companies and lobbyists here in New Jersey. In the past few months, you may have even received a letter from your insurance company asking you to contact your legislators and tell them to vote against the bill.
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Continue Reading New Jersey Enacts an Insurance Bad Faith Statute for Auto Insurers