Steve is a go-to attorney for NJ matters. He has handled every one to whom I referred him with care and diligence. He is particularly knowledgeable in traffic and personal injury matters, but his mastery extends to all areas of New Jersey practice.Nader, New Jersey
Fast and accurate… extremely articulate and professional… Dimian & Masterpalo would give you great service… great job!!Belinda S., Jersey City, NJ
Mr. Dimian and his legal staff were very attentive and knowledgeable to all my needs. They always answered any questions I had pertaining to my case in a timely manner. I recommend Mr. Dimian for anyone who needs a car accident attorney.Mark, New Jersey
Professional and very comfortable to work with…I’m very satisfied and more than happy with Dimian & Masterpalo.John E., Freehold, NJ
The quality of work and service received from Dimian & Masterpalo and their staff was excellent… they were on point and completely transparent.A.W., Neptune, NJ
Absolutely the most patient, understanding and helpful lawyers and staff. They listened to my needs and made sure they were met. Words can not describe how helpful this settlement is to me…It would have been a huge mistake to go with another firm.Morris T., Ocean, NJ
Great service!! Always on top of my case. Constant updates on how my case was moving along… The thing that sets Steve aside from the everybody else is that he truly cares about each client.. He doesn’t look at you as a case/file. He treats every person/case as if it was his personal file and will fight to death for you so that you get the best possible outcome!! Best attorney I have ever hired!!Dan T., New Jersey
NEW JERSEY RESIDENTS MISSING OPPORTUNITY TO SELECT THE RIGHT AUTOMOBILE INSURANCE
UNCLEAR OF VERBAL THRESHOLD VS. ZERO THRESHOLD INSURANCE OPTIONS
There are countless automobile insurance companies in New Jersey offering a variety of insurance plans. But one option many people are unaware of, and insurance companies often neglect to fully explain is the Verbal or Limitation on Lawsuit Threshold option.
Most consumers who purchase car insurance assume they have all the coverage needed to cover the cost for any personal injury to them or anyone involved in a car accident. But they do not understand how insurance policies limit costs for injuries sustained.
All New Jersey residents involved in an automobile accident have two options available to them:
• The Verbal or Limitation on Law Suit Threshold; or
• The “0″ Threshold or the No Limitation on Law Suit Threshold.
The Verbal Threshold or the Limitation on Law Suit Threshold carries restrictions on a victim’s rights when filing a lawsuit for non-economic damages as a result of being involved in a motor vehicle accident. It basically requires the injuries sustained to be permanent.
The “0″ threshold permits an injured party to sue for non-economic damages such as pain and suffering without any limitation.
It is vital that consumers understand exactly what the differences in these two options.
“Most insurance carriers do not spell out the option of No Limitation Policies”, Patrick Masterpalo of Dimian and Masterpalo Attorneys At Law stated. The most common injuries from car accidents are soft tissue injuries to the neck and back spinal areas. These types of cases typically are denied by insurance companies and have to go to litigation. If you want to maintain your full rights to sue for all types of injuries, it is important you select the “no limit lawsuit” or Zero Threshold option when choosing your insurance policy, Masterpalo added.
WHAT THE DIFFERENCE MEANS TO YOU.
With the Verbal Threshold option, generally, in order to recover for pain and suffering damages, the injuries must meet or fall into one of the following types or categories:
Type 1 – Death
Type 2 – Dismemberment
Type 3 – Significant disfigurement or scarring
Type 4 – Displaced fracture
Type 5 – Loss of a fetus
Type 6 – Permanent injury
The Zero Threshold option takes away those restrictions and allows the insured to receive compensation for any injuries sustained.
While the Verbal Threshold is generally cheaper than the Zero Threshold option, many people choose it without thinking of what it means in terms of their rights should they be in an accident.
“No one thinks they will be in a car accident, so they often choose the cheaper option, especially since most insurance companies really don’t explain these options. What they don’t realize is by choosing Verbal Threshold they are greatly reducing the opportunity to recover for pain and suffering if injured in a motor vehicle accident,” added Steven Dimian, partner at Dimian & Masterpalo.
THE AMERICAN SOCIETY OF LEGAL ADVOCATES NAMES STEVEN B. DIMIAN TOP 40 UNDER 40 LAWYER
DISTINCTION COMES AS DIMIAN & MASTERPALO, ATTORNEYS AT LAW ADDS MARTIN BARRY, ESQ. TOP WORKERS’ COMP LITIGATOR AND TRIAL LAWYER TO THE FIRM
Steven Dimian, Esq. has been named a Top 40 Under 40 Lawyer by the American Society of Legal Advocates (ASLA), an honor limited nationally to the top 1.5 percent of attorneys in the United States. The ASLA is an invitation only, nationwide organization of elite lawyers in practice today. ASLA draws its membership from lawyers who combine stellar legal credentials with a proven commitment to community engagement and the highest professional standards.
Mr. Dimian specializes in personal injury and real estate law with partner Patrick Masterpalo of Dimian & Masterpalo Attorneys At Law, a leading law firm serving clients in Monmouth and Ocean Counties, as well as Jersey City. Mr. Dimian is a member of the New Jersey State Bar Association and is licensed to practice law in New Jersey and before the U.S. District Court for the District of New Jersey.
To offer more expertise and services, Dimian & Masterpalo welcomes Martin Barry, Esq. as a member of the firm. Mr. Barry brings more than 15 years of courtroom experience in personal injury and workers compensation litigation.
Mr. Barry is a graduate of Rutgers Law School, and served as a judicial clerkship with the Honorable William L. Forester Ret. Mr. Barry is a past member of the Middlesex County Bar Association, and currently a member of the Monmouth County Bar Association, Ocean County Bar Association, New Jersey Association for Justice, Halpern Furman Inns of Court, and, the Richard J. Hughes American Inn of Court.
Dimian & Masterpalo Attorneys At Law is a leading New Jersey law firm specializing in personal injury, real estate, workers’ compensation and criminal defense serving clients in Monmouth, Ocean, Essex, Union and Hudson Counties.