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What is “No-Fault” Auto Insurance Coverage and How Does It Work? - April 17th 2018

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. 

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 attorneys at Hyberg, White, and Mann to schedule your free consultation: 609-407-1000.

   

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