Question 1

What is PIP coverage and how does it help me?

Accepted Answer

PIP (Personal Injury Protection) is the coverage on your own auto insurance policy that pays your medical expenses and some related costs after an accident, regardless of who was at fault. In New Jersey, every auto policy includes PIP, and the standard policy includes $250,000 of PIP coverage per person per accident by default, although the driver can choose a lower limit (the minimum is $15,000).

Question 2

Can I sue for pain and suffering in New Jersey?

Accepted Answer

It depends on your type of policy. If you have a policy with a lawsuit limitation (verbal threshold), you generally can only sue if your injuries meet certain criteria such as permanent injury, significant fracture, disfigurement, loss of an organ, or death. If you have a policy without the limitation, you can sue for pain and suffering without this restriction.

Question 3

What do I do if the other driver has no insurance?

Accepted Answer

New Jersey requires every auto policy to include uninsured motorist (UM) and underinsured motorist (UIM) coverage. If the other driver has no insurance, you can file a claim under your own UM/UIM coverage. It is important to report the accident to your insurance company as soon as possible.

Question 4

Do I need a lawyer if the accident was minor?

Accepted Answer

Even in accidents that seem minor, injuries can appear later and medical expenses can increase. An attorney can evaluate your case, explain your rights and help you receive fair compensation. Schedule your consultation, so you have nothing to lose by asking.

Question 5

How much time do I have to file a claim?

Accepted Answer

In New Jersey, personal injury claims generally must be filed within 2 years from the accident. If the accident involves a public entity, the deadline may be only 90 days to provide notice. We recommend consulting with an attorney as soon as possible.