One of just a number of states in the U.S. where drivers are required to carry PIP is New Jersey. Never heard of PIP coverage? It is called "personal injury protection" and is sometimes referred to as "First Party Benefits'' when you ask an insurance company for a quote in NJ. When selecting the right insurance, it's important to know what your coverage entails, as well as the limits.
New Jersey requires PIP coverage for two reasons. Everyone who sustains injuries in an accident is guaranteed emergency medical attention; and it makes insurance in the state "no-fault," which means that regardless of fault, each person's insurance provider covers their own medical costs resulting from injuries. In the case of a fatal accident, PIP pays for funeral costs, lost wages, and passenger claims. It also reduces the amount of legal claims for damages.
Just because NJ is a no-fault state, you have the right to sue for personal injury in certain cases.
We will explain how PIP works in the following article. However, if you've been in an accident and need legal help, talk to our team of car accident lawyers at Brandon J. Broderick, Attorney at Law. We will help you understand your options and ensure you get fair compensation for your damages.
PIP Coverage in NJ Explained
Regardless of who was at fault, PIP coverage will pay for funeral costs, lost income, medical costs, and related costs for you and your passengers in the event of an accident. Due to NJ's no-fault insurance policy, drivers must carry PIP coverage, which is used first while the accident's cause is investigated.
In addition to having your medical costs and those of your passengers covered up to the PIP coverage maximum specified on your policy, you may also be eligible to get compensation for lost wages in the event that the accident prevents you or your passengers from working. If a car accident keeps you from doing your everyday tasks, PIP can also help with the cost of household services. Car damage is not covered through PIP insurance.
In New Jersey, each driver is required to carry minimum PIP coverage of $15,000 per accident or per person. Your policy must have up to to $250,000 in coverage for certain injuries including permanent or significant brain injuries, spinal cord injury and disfigurement.
Death Benefits
Surviving family members of an accident who dies in an accident may be eligible for the maximum settlement for lost wages and necessary services. They are also eligible for a maximum of $1,000 toward funeral costs.
Get Help From An NJ Car Accident Lawyer
The thought of dealing with a car accident claim can be overwhelming. However, you are not alone. Brandon J. Broderick, Attorney at Law can help you. We handle all correspondence and talks with insurance companies in order to secure the highest possible compensation for your losses. Never take responsibility for unjustified medical expenses and invoices. Allow us to get you the money you are entitled to.
At Brandon J. Broderick, Attorney at Law, we are dedicated to helping our clients in NJ with car accident claims and personal injury matters.
For a free legal consultation, please contact us.