When lawyers say that New Jersey is a no-fault state, they mean that if you get into an accident, your personal injury protection (PIP) insurance will cover your injuries and the damages to your vehicle. When driving in New Jersey, you must have PIP insurance of at least $15,000. This is not optional.
The purpose of no-fault insurance:
When driving in New Jersey, PIP insurance is required as part of your car insurance policy. If you get into an accident, your PIP insurance will cover your injuries and those of all your passengers, no matter who is deemed liable for the accident. For damages you suffer in the accident, it is your right to pursue the other, at-fault driver.
Common expenses covered by PIP insurance include hospital bills, prescribed medication, doctor’s visits, physical therapy, and lost wages due to your injuries. If the accident resulted in a death, PIP would provide death benefits and may cover funeral costs.
To get help navigate New Jersey’s insurance policy mandates to find out what you’re entitled to after an accident, contact us at Kirsch, Stone & Morgan to schedule a consultation.