As you may already know, car insurance is required in New Jersey.  Although most drivers have auto insurance, many drivers are not aware of their coverage selection and/or coverage limits.  Furthermore, the run-of-the-mill driver may not fully understand the language of his auto insurance policy, thereby making the claims process much more difficult. 

Auto insurance is divided into different coverages based on what type of claim may be paid to you or others.  The coverages include:

  • Personal Injury Protection;
  • Liability
  • Uninsured Motorist Coverage;
  • Underinsured Motorist Coverage;
  • Collision Coverage; and
  • Comprehensive Coverage.

The focus of this article is Personal Injury Protection (PIP), which is also referred to as “no-fault” coverage.  PIP/no-fault coverage pays your medical expenses (among other things) for injuries you suffer in an auto accident.  It is referred to as “no-fault” coverage because it pays your own medical expenses through your own auto insurance policy no matter who caused the auto accident.  The idea behind “no-fault” coverage was to provide timely medical treatment/payment of bills and to reduce the burden on health insurance providers who previously paid the cost of accident related medical treatment. To  get a lawyer involved one can check here for more info. You can get the necessary legal experts so the convict pay amounts of compensation and get the necessary advice you need in case of injury accidents and similar cases. Your attorney can also pre-calculate your compensation that can include future medical costs. Your modesto accident lawyer will also know how to increase your compensation if the person at fault was negligent.

PIP coverage has two parts:

  1. Coverage for the cost of treatment you receive from hospitals, doctors and other medical providers and any medical equipment that may be needed to treat your injuries; and
  2. Reimbursement for certain other expenses resulting from the accident, such as lost wages and funeral allowances, among others.

Despite being a “no-fault” state, the issues surrounding auto insurance following a motor vehicle accident can be complex and require dedicated attention.  If you have been injured in a motor vehicle accident, contact the personal injury attorneysat Hyberg, White, and Mann to schedule your free consultation: 609-407-1000.

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Want to learn more about our legal services? Consult with one of our workers' compensation or personal injury attorneys by contacting our lawyers or call (609) 407-1000 today. Our Attorneys proudly serve all of Southern New Jersey including the nearby areas of Northfield, Pleasantville, Galloway, Linwood, Atlantic City, as well as, Atlantic, Cape May, Camden, Cumberland and Ocean Counties and the greater Southern New Jersey region. We look forward to working with you!

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The information contained in this website is provided for informational purposes only and should not be construed as legal advice on any subject matter. Each case is unique and we encourage you to seek licensed legal advice to ensure all of your questions are answered. No recipients of content from this site, clients or otherwise, should act or refrain from acting on the basis of any content included in the site without seeking the appropriate legal or other professional advice based on the particular facts and circumstances at issue from an attorney licensed in the state of New Jersey.

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