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Personal Injury Matters

AUTO ACCIDENTS


An auto accident can happen in a matter of seconds. Most accidents are minor and cause only property damage. However, when a person is injured in an accident, there may be a potential personal injury claim. 


At Michalski-Ottens Law, we are ready to help. There are certain steps that should be taken after an accident:


1. At the scene of the accident, your health should be your number one priority. If you are injured and require medical attention, make sure to get yourself to a hospital or see a medical professional. If you are able to conduct some initial investigation, you should take photographs of the vehicles and the scene of the accident. It is also important to take down names and phone numbers of any witnesses.


2. Contact your insurance carrier. It is very important to timely put your insurance carrier on notice of the motor vehicle accident. New Jersey is a "no-fault" insurance state, which means that your insurance company is required to pay certain damages from the accident, such as your medical bills up to your limits. Your insurance company may also cover your property damage. 


3. Schedule your appointment at Michalski-Ottens Law. The consultation is free and we do not take a fee unless you win. 


4. Medical Treatment-It is important that you treat with medical providers for your injuries. Again, your health should be your number one priority. As you continue to treat, Michalski-Ottens Law will begin obtaining your bills and medical records. 


5. Settlement demand-Once your treatment has completed, Michalski-Ottens Law will obtain all of your records and begin preparing a demand for settlement. Once the demand is submitted to the "at-fault" parties insurance company, negotiations may begin. When the final offer is extended by the insurance company, Michalski-Ottens Law will discuss with you the option of settling or filing a lawsuit in Court. 


6. Filing a Lawsuit- Statue of Limitations- In New Jersey, a personal injury lawsuit must be filed with the Court within two (2) years of the motor vehicle accident. If your case goes to Court, we will carefully and thoroughly walk you through the process.


Contact us today at 973.248.3389 to schedule your free consultation. We are here to help!



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NJ No-FAULT PIP ARBITRATION

What is PIP Arbtiration?


A PIP arbitration is  a claim for unpaid or underpaid medical bills or services. Here, at Michalski-Ottens Law, we represent medical providers, including hospitals, surgery centers, and doctors who have unpaid bills or have been underpaid for their medical services by insurance companies. 


If you are a doctor or medical provider, Michalski-Ottens Law can help you recover payment for services rendered to patients. 


In order to file a PIP Arbitration demand, there are certain documents that you must have:


1. Assignment of Benefits signed by the patient (AOB);

2. Appeal with fax confirmation or certified mail proof;

3. Health Insurance Claim Form (HICF/bill);

4. Explanation of Benefits (EOB);

5. Medical Records/Daily notes;

6. Pre-certification with fax confirmation or certified mail proof;

7. Diagnostic testing reports.


Let us help you navigate this complex area of law. We welcome providers to email PIP Arbitrations to olivia@ottenslaw.com or call 973.248.3389. Do not waste time, contact our office, as claims are time sensitive. 



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REAL ESTATE CLOSINGS

Real Estate Purchase/Sale

Purchasing Your Home:


Every home purchase is unique, however, the fundamental phases are typically as follows: 


1. In New Jersey, a Buyer makes an offer on a property by signing and submitting a proposed Contract to the Seller. If the Seller accepts the offer, the Seller countersigns the Contract and returns same to the Buyer. 


2. It is important to retain Michalski-Ottens Law to review the Contract. Contact Michalski-Ottens Law by calling 973.248.3389 or email us at olivia@ottenslaw.com as soon as you receive a fully executed Contract. 


3. Once we receive the signed Retainer, we can begin our representation of you. We will review the fully executed Contract, send a letter to the Seller's Attorney proposing changes to the Contract and negotiate such changes until a final agreement is reached. 


4. You should submit your mortgage application to obtain your mortgage commitment. This can be an extensive process so it is important to start early and work closely with your lender. 


5. After the attorney review period concludes, performing home inspections will be next on the list. Should an inspection reveal issues with the home, we will help negotiate any repairs or credits.


6. After the home inspections, Michalski-Ottens Law will order title to ensure the Seller provides you with "clear and marketable" title to the subject property at closing. 


7. Finally, Michalski-Ottens Law will prepare for closing and assist you in satisfying the lender's conditions for final loan approval and clearance to close and will coordinate the scheduling of a mutually convenient closing date with all parties. 


Contact Michalski-Ottens Law today by calling 973.248.3389 or email us at olivia@ottenslaw.com. We cannot wait to welcome you home!




Selling Your Home


When selling your home, there are phases a Seller goes through and we are here to guide you along.


1.When the offer comes in from the Buyer and is acceptable to you, countersign the Contact and return same to the Buyer. 


2. Contact Michalski-Ottens Law after you countersign the Contract.  Give us a call to retain us at 973.248.3389 or email us at olivia@ottenslaw.com


3. Once we receive the signed Retainer, we can begin our representation of you. We will review the fully executed Contract, send a letter to the Buyer's Attorney proposing changes to the Contract and negotiate such changes until a final agreement is reached. 


4. Buyer will apply for a mortgage and begin the inspection process. 


5. You will be required to provide Buyer with a Certificate of Continued Occupancy or Smoke and Carbon Dioxide Detector Certificate.  We are here to help you obtain said certificates and can guide you along should any issues arise. 


6. Buyer will order Title and once we received a copy, we will work with you and the title company to make sure there are no title defects.


7. Michalski-Ottens Law will contact your lender for payoff information that will allow your mortgage, if any, to be paid off at closing.


8. Finally, Michalski-Ottens Law will prepare for closing by preparing the legal documents required for the transfer of title and assist you in satisfying any other outstanding items. Michalski-Ottens Law will coordinate the scheduling of a mutually convenient closing date with all parties. 


Contact Michalski-Ottens Law today by calling 973.248.3389 or email us at olivia@ottenslaw.com. We are here to help you navigate through the phases of selling your home. 

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