The state of New Jersey requires all drivers to obtain personal injury protection coverage through an auto insurance provider, but it’s important to understand what type of coverage and rights you have in the event of an accident. When you sign up for insurance, carefully read your policy and look for the limits of your coverage. If you choose a “Full Tort” policy, then your premiums will likely be higher. The benefit of this option is that you maintain the right to sue a driver in an accident for medical damages as well as pain and suffering. When you choose a “Limited Tort” policy, you forfeit your legal right to sue the driver for pain and suffering. You can still pursue medical compensation, but your legal options will be limited unless you are severely injured.
In New Jersey, personal injury protection insurance will cover medical, living and rehabilitative costs incurred as a result of your accident. This insurance will pay out up to your limits regardless which driver was at fault. Personal injury protection insurance will also help cover lost wages and essential services you’re too injured to carry out. The minimum amount of coverage New Jersey requires is $15,000.
When you decide to pursue a personal injury claim in court, your contractual agreement with your insurance provider can limit your options for receiving compensation. CourtLaw’s experienced lawyers can help you determine your best options for a full financial recovery after your accident. After thirty years of representing various clients in New Jersey’s courts, we have an in-depth understanding of various insurance provider’s policies and procedures. We focus on seeking full financial compensation for our clients in cases involving a car, motorcycle, truck, bicycle, taxi, or bus accident. Contact our law office today to begin working with one of our expert attorneys at 866-632-4211.
The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney/client relationship. If you are seeking legal advice, please contact our law firm directly.