New Jersey state uses what’s called a “no-fault” system. Here’s what that means for you:
Basic Claims Process
Your own insurance company handles your medical bills through Personal Injury Protection (PIP), regardless of who caused the crash. Think of it as your insurance taking care of you first, questions asked later.
When You Can Sue
Two paths exist for taking legal action against the driver who hit you:
Serious Injury Cases
You can pursue a lawsuit if you’ve suffered:
- Death of a loved one
- Loss of a body part
- Major scarring or disfigurement
- Pregnancy loss
- Broken bones
- Permanent injuries that won’t get better with treatment.
Special Coverage Option
If you picked “unlimited right to sue” when buying your policy, you can take legal action even for minor injuries.
Additional Rights
Property damage isn’t restricted by these rules. You can always seek compensation for your damaged car or other property losses that your insurance doesn’t cover.
