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No-fault car insurance is a system in which drivers injured in a NJ car accidents receive payment for damages from their own auto insurer no matter who was at fault for causing the crash. 

New Jersey is a no-fault state. So, drivers must purchase a Personal Injury Protection (PIP) policy which provides coverage for medical bills, lost wages, and other expenses up to the limit of a driver’s PIP coverage.

Type of Policy Determines Range of PIP Coverage

If you purchase a basic insurance policy, your PIP coverage starts at a minimum of $15,000 and goes up to $250,000. A standard insurance policy ranges from $15,000 to as high as $250,000 or more in PIP benefits.

PIP covers medical expenses such as doctor visits, hospital stays, and medical equipment. Beyond that, PIP covers medical bills you incurred if you were injured as a passenger in another car or if you were a pedestrian hit by a vehicle.

While PIP can serve as primary coverage for your accident-related injuries, you may choose your own health insurance for your primary coverage. Your PIP would then act as your secondary coverage.  

Standard Policy Offers Additional PIP Benefits

Drivers who purchase a standard auto insurance policy have PIP coverage that goes beyond medical expenses. A standard policy provides benefits that include: 

• Lost wages—Pays for wages that you lost from missing work due to your injuries.

• Essential services—Pays for someone to do tasks that you would do yourself had you not been injured, such as cleaning your house or mowing your lawn. 

• Death and funeral benefits—Pays your survivors for funeral expenses incurred due to your accident-related death.

Some medical costs go beyond PIP benefits when drivers or their passengers suffer significant injuries. In these cases, injury accident victims may be able to pursue additional compensation by filing a lawsuit against the driver who caused the crash. 

Bringing a Lawsuit Against the At-Fault Drive

Under New Jersey’s no-fault laws, drivers can sue another motorist for causing an accident. But, the type of insurance policy drivers purchase determines their lawsuit options. 

For example, a basic insurance policy allows drivers to sue for pain and suffering unless they suffered a permanent injury such as:

• Loss of a body part

• Loss of a fetus

• Significant disfigurement or significant scarring 

• Displaced fracture

• Permanent injury (any injury that causes a body part or organ to lose its ability to function normally)

• Death 

Under a standard policy, drivers have a right to sue for pain and suffering for any injury. 

Before filing a lawsuit, however, it is best to contact a New Jersey car accident lawyer who can help you with the litigation process. 

Before You Sue, Get Legal Advice

Pursuing legal action against someone else is not as simple as it seems. For one, drivers may challenge a claim of causing fault for an accident. What’s more, an insurance company may challenge an injured driver’s permanent injury claim. An attorney knows what is needed to stand up against these and other challenges. 

A New Jersey car accident lawyer can help you gather evidence that supports your injury claim. Otherwise, an insurer may reject your claim or offer a low settlement that does not cover all of your expenses. An attorney can negotiate a claim on your behalf or file a lawsuit if the insurer refuses to offer a fair settlement. 

If you have been injured in a car accident and have not received the compensation you may be entitled to, contact a New Jersey car accident lawyer today.

Since 1998, David Azizi and his team have served the Greater Los Angeles victims of negligence. We have handled auto and other vehicle-related accidents, slip and fall accidents, brain and other bodily injuries, workplace accidents, wrongful deaths, and even animal attacks.

If you're in SoCal and looking for a car and truck accident attorney, feel free to contact us via the phone at 800-991-5292 or via live chat on our website at www.azizilawfirm.com.

Our offices:

Los Angeles Office
3435 Wilshire Blvd Suite #1800
Los Angeles, CA 90010
Phone: 213-673-1466

Riverside Office
4505 Allstate Dr Suite #102
Riverside, CA 92501
Phone: 951-200-4223

GJEL Accident Attorneys is a Sacramento personal injury law firm that specializes in serious injury cases. Since 1972 GJEL has been helping seriously injured victims and grieving family members get justice. GJEL has recovered millions of dollars for our clients and we maintain a 99% success rate. As a firm that specializes in wrongful death and serious injury cases GJEL Accident Attorneys is one of the highest rated law firms in California. Call today for a free case evaluation.

Address: 2410 Fair Oaks Blvd, #125, Sacramento, CA 95825, USA

Phone: 916-447-7002

Have you been injured in a car, truck or motorcycle accident? The Law Offices of Eugene G. Bruno will be able to handle your case if you have a car accident related case. San Diego car accident attorney Eugene G. Bruno has over 24 years of experience, he is trusted and tough and will work diligently on your case to seek the compensation you deserve. Don't hesitate to contact the firm today to set up a free case evaluation. Serving the San Diego area with a 99.7% success rate, The Law Offices Of Eugene G. Bruno, P.C. can provide you with the legal representation you need if you've been involved in an accident.

Lorona Mead, PLC is Arizona's leading full-service law firm where Experienced, Results Driven and Committed to Excellence Attorneys have a proven track record of positive outcomes for their clients, and they won't rest until justice is served. At Lorona Mead, PLC as an experienced Car Accident Attorney in Phoenix Jess A. Lorona handles all of his cases with skill and a common sense fee structure.

A car accident can have disastrous consequences and, when you have been involved in one, the last thing you want to do is fill in numerous forms for a personal injury claim. At Dan Doyle Law Group, the experienced Philadelphia Car Accident Attorney Daniel S. Doyle will take on that burden, meaning you are free to rest, relax and recover from your injuries.

Your Philadelphia personal injury attorney understands that you need support and commitment, and will demonstrate both as they recover what you deserve.

Rather than worrying about how you will pay your mounting medical bills, ongoing treatment, mortgage, bills, and any other financial commitments, speak to car accident attorney Daniel S. Doyle to learn how a Philadelphia personal injury attorney can ensure you receive the compensation you are entitled to.