New Jersey Car Accident Attorneys – Understanding No-Fault Insurance in New Jersey When a Car Accident Changes Your Life We can help you get back to your normal life.
A NJ no-fault insurance policy means that your insurance plan will always cover your medical expenses. It doesn’t matter who was at fault for the accident. If you need medical care Your insurance policy will have to pay for it.
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To drive in New Jersey You must have car insurance. There are many insurance policies and companies to choose from. But all of them must meet the minimum state standards.
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State requirements change over time. But the no-fault insurance system has been a part of New Jersey law for decades. Since 1972, all auto insurance plans sold in New Jersey have been required to be no-fault policies.
The part of your policy that covers medical expenses is “Personal Injury Protection” or PIP or Insurance As with the other options in your plan, you can choose the amount of PIP cover you want to purchase. Most drivers choose $250,000 as their PIP coverage limit, according to New Jersey’s Official Auto Insurance Buyer’s Guide.
Choosing a lower personal injury coverage limit will keep your premiums low. But you will have less money to cover your expenses when you have an accident. This can leave you with thousands of dollars in medical bills. Even if the accident was caused by another person.
The biggest benefit of no-fault insurance is that it helps you get the medical help you need, when you need it.
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In the few days after the accident Receiving timely treatment is essential to recovery. If there is no insurance policy, there is no fault. You may have to pay medical bills until the relevant insurance company determines who was at fault in the accident. This is because acute medical care is expensive. This situation can cause real problems for traffic accident victims and their families.
No-fault insurance policies eliminate the need for accident victims to wait to see a doctor until the insurance company decides on liability or pays for initial treatment.
Importantly, NJ’s no-fault car accident insurance system does not protect you from seeking compensation if another driver causes an accident. You can still file a compensation claim. NJ’s no-fault laws all help simplify the process of getting the medical care you need.
Personal injury coverage helps you pay for medical bills and other personal expenses. caused by a car accident You will not use your PIP plan to pay for repairs on your car or cover medical expenses for passengers or other drivers. This policy covers only your personal expenses.
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PIP coverage is unlimited. You are protected up to the amount you selected as your policy limit when you purchased your car insurance.
The size of your PIP policy determines how much money you have in the event of an accident. in new jersey The minimum amount of PIP coverage a standard plan can have is $15,000, however, most New Jersey residents have PIP coverage of $250,000 or more.
Frugal drivers can try to save money by reducing PIP coverage, although this can actually save you money on premiums. But you may not get the coverage you need if you are in an accident.
After selecting the amount of PIP cover you want You must decide whether you want PIP or your health insurance policy to be your primary insurance policy. Your insurance company may recommend that you take out health insurance as your primary insurance. They will advise that taking primary PIP will increase your premiums.
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Yes, having a PIP policy on your primary policy will increase your premiums. But you should still do it. In the long run, this is almost always the smarter choice.
When you have a car accident Medical expenses will fall first on whatever policy you designate as your primary policy. When that warranty expires Another policy will take its place.
This means that if you designate a health insurance policy as your primary insurance policy, You will be charged first. Most health insurance plans have a high deductible that you must pay before your policy takes effect. If there is a serious accident You may owe thousands of dollars to the hospital.
If you do not designate PIP as your primary fund You will not have access to the PIP funds you paid into. Modern health insurance plans have no cap on payments. This means you will never run out of coverage and be eligible to use your PIP benefits. However, you may be subject to a new deductible when your health insurance plan resets each year.
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Failure to select PIP as your primary option will result in less financial compensation in your personal injury claim. This is because health insurance companies have the right to seek compensation from your personal injury settlement for expenses incurred in connection with your car accident.
If your health insurance company convinces you to make PIP your primary health coverage in exchange for lower premiums, You will not have to pay medical bills. Even if you pay for the policy. The car insurance company gets your money and doesn’t have to pay it back. It might be a good business. But politics is not good.
Our New Jersey no-fault car accident attorneys handle all no-win, no-fault car accident claims. That’s our promise, no win, no commission. We accept a percentage of the deal. and if the claim is unsuccessful You will not have to pay any attorney fees.
Additionally, at Console and Associates, P.C., we spend thousands of dollars on each of our clients’ claims. and for cases that are far from the litigation process It will cost up to tens of thousands of dollars. We are happy to shoulder this burden to give our clients a chance at justice. No matter what the current financial situation is.
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Luckily, you don’t have to worry about spending money on these expenses. If you have a New Jersey accident lawyer at Console and Associates on your side.
One reason New Jersey enacted no-fault insurance policies is to help manage insurance costs by limiting the amount you can claim from the insurance company. This is why it can be difficult to pursue personal injury compensation. Unless you have proof of serious injury.
However, lawmakers wanted to ensure he had the opportunity to receive treatment for his injuries. Even though it was not considered serious enough to warrant charges. They have solved this problem by making personal injury coverage part of your New Jersey auto insurance policy. Our no-fault attorneys can help you pursue your personal injury claim throughout the process.
You are not the one who caused the accident. So it seems strange that you have to use an insurance plan to pay for it. But this is a good thing. When an accident happens, you know that there is insurance to cover the costs because you are the one who bought it yourself.
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When the police determine who is at fault for your injuries You have the option of filing a claim and receiving compensation from the at-fault driver’s insurance company.
No, PIP does not cover all of your medical expenses resulting from the accident. You will be responsible for paying:
One of the choices you make when purchasing a car insurance policy is your desired deductible. Your deductible is the amount you must pay out of pocket when you are in an accident.
After the deductible, most PIP policies state that you are responsible for 20% of the first $5,000 of medical expenses resulting from your accident.
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When the deductible amount has been reached You will no longer be responsible for additional accident-related medical expenses. Up to the level of personal injury coverage you choose in your policy. The car insurance company pays the remaining medical expenses.
If you choose to purchase PIP, low rates to save money on insurance You will need to pay the remaining balance when expenses exceed the limits of your PIP cover. In this case, your health insurance policy may cover some of the medical expenses. However, you must meet your health insurance company’s deductible. Pay off co-payment and coinsurance obligations. and receive care from providers within your coverage network
No, your rates will not increase after an accident. If you are not at fault Please remember that the “No fault” in your policy relates to who pays for medical care. Not the person responsible for the accident Our no-fault attorneys are ready to help you every step of the way.
Just like any other health insurance policy. Each plan has a list of procedures that will and will not be covered. If you need treatment that the insurance company deems unnecessary The insurance company will not cover it.
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If you were drunk or under the influence of illegal drugs at the time of the accident, the insurance company may deny your claim. The company may attempt to deny your claim if you have an uninsured vehicle.
Finally, the insurance company may deny your claim if you wait too long for treatment. This is why experienced car accident attorneys recommend consulting a doctor.
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