NJ’s No-Fault Car Insurance Explained

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Sometimes the law regarding no-fault car insurance can get very blurry, especially for people who get involved in it for the first time. This often leads to further problems and disputes that tend to get people too carried away. Therefore, it would be advisable for everyone to have thorough knowledge regarding these laws as you never know when you could be facing such situations. If you happen to be someone living in New Jersey and are not aware of the basics regarding the no-fault car insurance laws in the state, take a look at the information below.

NJ’s No-Fault Laws

According to the no-fault laws of New Jersey, any person who suffers from injuries from car-related accidents will receive medical coverage from their own car insurance company. It does not matter who’s fault it is. Even if you happen to be a passenger in someone else’s vehicle, the insurance company that you have signed with will have the responsibility of clearing your medical bills. If you do not have your own car insurance but live with someone that does, that person’s car insurance will cover your medical bills.

The medical coverage that you get for automobile insurance is often provided by PIP (personal injury protection). A lot of the times, people refer to PIP as no-fault insurance. This insurance covers the cost of all the medical equipment and treatment.

No-fault insurance also reimburses all the expenses that are related to injuries that occur due to car accidents. This also includes essential services and income continuation.

Primary Health Care for No-Fault Insurance or PIP Coverage

In case you have health insurance (not counting the New Jersey Plans for Family Care) given by Horizon NJ health, Amen Group Community care, Aetna Better Health, Medicaid, or Medicare, you could be eligible for selecting health care as primary coverage for automobile injuries. This feature allows your health insurance carrier to be the primary route for your medical coverage for problems that resulted from the car accident you had. People can even save close to twenty-five percent on their PIP or no-fault insurance premium for every vehicle insured on the policy.

Whenever you evaluate the options for your coverage in the State of New Jersey, there will always be another option for selecting limited tort or full tort. There are a couple of small differences in both. If you choose the limited tort option, sometimes referred to as the “verbal threshold”, it will restrict you from the right of suing the driver who is at fault for non-economic damages. Suffering, pain, and permanent disfigurement are some examples of non-economic damages. However, if you happen to choose the full tort option, there will be no restrictions placed on you for suing the person behind the wheel.

You should not take lightly the importance of understanding the rights and options that you have when no-fault car insurance is in question. Keep in mind the facts mentioned above, and they will come in handy for you in times of car accident-related troubles in New Jersey.

If you have any questions about your automobile insurance coverage, contact The Law Office of Adriana Baudry today for a comprehensive review.


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