What Does No-Fault Car Accident Insurance Cover in NJ?

A frequent question that is asked by New Jersey car accident victims is: What is covered by no-fault car accident insurance? We will answer this question in the following blog, including: Who is eligible for no-fault benefits; what the restrictions are; when to file a claim; and how to file a personal injury claim?

NJ is a no-fault state, which means that all drivers are required by law to carry no-fault auto insurance. It covers basic losses, such as medical expenses and lost wages, as well as other costs.

If you find yourself in a car accident in NJ, call the law office of Brandon J. Broderick, Attorney at Law today to speak with one of our experienced car accident lawyers to determine what compensation you can recover.

We are available 24 hours a day, 7 days a week. Call us today for more info.

Insurance Requirements in New Jersey

Before registering a car and driving it in New Jersey, the owner must have minimum auto insurance that is required by state law. In NJ, three types of no-fault insurance are required. This includes:

• Personal Injury Protection (PIP) insurance: This covers medical costs following an auto accident for you, your passengers, and other household members, regardless of whether you caused the collision.
• Liability Insurance: This covers other people's losses in the event that you cause an automobile accident. In New Jersey, property damage liability insurance ($5,000) is the sole type of liability insurance that is necessary. However, bodily harm liability insurance is also offered for a higher premium.
• Uninsured motorist insurance: This provides financial protection in the event that you are in an accident with a driver who does not have the required insurance coverage or flees the scene.

Although it is legally required that all drivers in New Jersey carry a minimum amount of auto insurance, there is always the option to purchase more coverage. Minimum PIP coverage must have a $15,000 policy. However, in order to cover serious injuries, the majority of drivers in New Jersey opt to purchase $250,000 in PIP insurance.

Who Covers Costs of Car Damage in New Jersey?

In a no-fault state, the individual who pays for car damage is actually the one who caused the accident. Damage to property is not covered by the no-fault statute.

Regardless of who is at fault for the collision, each driver's insurance will cover their medical costs, missed income, and other, related costs in a no-fault state (like New Jersey). Repairs for the car will still fall under the at-fault motorist guidelines.

In an accident, one or more parties can be at fault. When determining who is at fault, police and insurance adjusters will consider the accident's facts, the drivers' statements, and the applicable local laws.

You may make a property damage claim with the other driver's insurance company if it is determined that the other driver was at fault for the accident. You will be reimbursed by their liability insurance for repairs. Repairs for an at-fault driver's vehicle will be covered by their collision coverage.

What Damages Can You Recover in a New Jersey Car Accident?

No matter who is responsible for the accident, no-fault states guarantee that the driver's own insurance company will pay for medical costs associated with injuries sustained in the accident. It is mandatory to carry personal injury protection (PIP) coverage in New Jersey. Typically, you would submit a PIP claim to your own insurance provider following an accident in order to receive reimbursement for medical expenses and lost income.

Drivers in New Jersey have two alternatives when it comes to auto insurance. For the majority of incidents, a basic policy restricts the driver to no-fault coverage. The right to sue is increased with a typical motor accident policy.

In the event that the accident causes dismemberment, severe disfigurement, major scars, displaced fractures, the loss of a fetus, or permanent damage, you may file a lawsuit if you have opted for a basic insurance policy. You can recover the following damages:

• Current and future medical costs
• Lost income
• Reduced earning capacity
• Personal property damage
• Pain and suffering

Accidents can cause more than physical harm. Attorneys for car accidents can examine your case and work to get you paid for all of your losses.

Call The Law Office Of Brandon J. Broderick For Help With Your NJ Car Accident Claim

If you are involved in a NJ car accident, allow our team of experienced NJ car accident lawyers to assist you in recovering damages you are entitled to. Brandon J. Broderick has decades of experience with New Jersey personal injury and car accidents. We know how to ensure our clients' rights are upheld.

Contact us right now for a free consultation.

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