As mandated by New Jersey state law, all drivers must carry Personal Injury Protection (PIP) coverage. This document explains your rights and benefits under the state’s no-fault insurance system.
Look, accidents happen. When they do, PIP’s got your back – whether it was your fault or not. Here’s the deal:
Medical coverage
Your policy covers the usual stuff: hospital stays, surgeries, drugs, therapy – you name it. Most folks go with the standard $250,000 coverage, but you can pick less if you want to save some cash.
Money matters
Can’t work because you’re hurt? PIP helps replace those lost paychecks. Need someone to mow your lawn or clean your house while you recover? That’s covered too.
Healthcare choices
You’ve got options:
- Let your regular health insurance take the lead (Health Primary)
- Have PIP handle everything from the start (PIP Primary)
- Pick what works for your situation.
About suing
Two paths here:
- Limited Right to Sue: You can only sue for serious stuff (think permanent injuries)
- Unlimited Right to Sue: You can take legal action for any injury, big or small
The fine print
Want lower monthly payments? Cool – just know you’ll pay more out-of-pocket if something happens. Higher deductibles mean lower premiums. Your choice.
Bottom line: The state wants to make sure you’re not left hanging after an accident. This insurance kicks in fast, so you can focus on getting better instead of arguing about who messed up.
Questions? Hit up your insurance agent. They know all the details.
