One of the most confusing aspects of New Jersey car accidents is our state’s “no-fault” insurance system. Having guided countless families through this process, we want to clarify what this really means for you.
What “No-Fault” Actually Means
Despite its name, “no-fault” doesn’t mean nobody is at fault for the accident. It simply means your own insurance company pays for your medical bills regardless of who caused the accident, through your Personal Injury Protection (PIP) coverage.
The Limitation on Lawsuit Option
Many New Jersey drivers choose the “limitation on lawsuit” option to save on premiums. However, this choice significantly affects your rights after an accident. You can only sue for non-economic damages (pain and suffering) if you sustain:
- Death
- Dismemberment
- Significant disfigurement
- Fractured bone
- Loss of a fetus
- Permanent injury
- Displaced fractures
Understanding Your Policy
Review your policy now – before you need it. Know your:
- PIP coverage limits
- Deductibles
- Whether you chose the lawsuit limitation
- Additional coverage options
Contact Experienced Legal Help
Insurance companies often try to settle quickly, before the full extent of your injuries becomes clear. Having a local attorney who knows the courts, the insurance companies, and the community can make a significant difference in protecting your rights and ensuring fair compensation.
Why Local Experience Matters
Having handled car accident cases in our community for over a century, we’ve seen how these accidents impact families. Every case is unique, and having an attorney who knows the local courts, medical providers, and insurance company tactics can significantly impact your case’s outcome.
Remember, a car accident isn’t just about immediate medical bills – it’s about protecting your future and ensuring you have the resources needed for a full recovery. When these accidents happen, you need someone who will treat you like family, not just another case number.