{"id":374970,"date":"2016-10-21T13:58:56","date_gmt":"2016-10-21T18:58:56","guid":{"rendered":"https:\/\/ability-fl-prod.internetbrands.com\/ability-law\/state\/new-jersey-law\/new-jersey-car-accident-compensation-laws.html"},"modified":"2026-07-23T13:16:08","modified_gmt":"2026-07-23T18:16:08","slug":"new-jersey-car-accident-compensation-laws","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/new-jersey-law\/new-jersey-car-accident-compensation-laws.html","title":{"rendered":"Is New Jersey a No-Fault State? A Guide to Car Accident Compensation Laws"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-28f84493 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-page-articles fl-section-main fl-section-main-full-width\"><h1 class=\"fl-no-margin-top\">Is New Jersey a No-Fault State? A Guide to Car Accident Compensation Laws<\/h1>\n\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw Staff<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/laura-temme-esq\/\">Laura Temme, Esq.<\/a>\n                | Last updated\n        <time>\n                            July 23, 2026\n                    <\/time>\n    <\/div>\n\n            <div class=\"fl-gutenberg-byline-editorial-note fl-text-sm\">\n            <p>Featuring real-world insights from <a href=\"https:\/\/lawyers.findlaw.com\/new-jersey\/toms-river\/michael-j-deem-esq-MzU1MDgwMF8x\/\" target=\"_blank\" rel=\"noopener\">Michael Deem<\/a>, a New Jersey attorney with more than 25 years of experience.<\/p>\n\n        <\/div>\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n\n\n<div class=\"fl-key-takeaways fl-mb30\" data-testid=\"fl-key-takeaways\">\n    <div class=\"fl-card-content\">\n        <div class=\"fl-card-body fl-card-bg-teal fl-flex fl-flex-column\">\n                            <h2 class=\"fl-card-title fl-h2 fl-no-margin\">Key Takeaways<\/h2>\n                        <p><span data-term-id=\"59372015\">New Jersey<\/span> is a &#8216;no-fault&#8217; car insurance state. This means that after a car accident, your own <span data-term-id=\"59372029\">auto insurance policy<\/span> pays for your initial <span data-term-id=\"59372024\">medical bills<\/span> through <span data-term-id=\"59372016\">Personal Injury Protection<\/span> (<span data-term-id=\"59372017\">PIP<\/span>) coverage, regardless of who caused the crash. In exchange for this quick payment, <span data-term-id=\"59372015\">New Jersey<\/span> law limits your right to sue the <span data-term-id=\"59372020\">at-fault driver<\/span> for <span data-term-id=\"59372019\">pain and suffering<\/span> unless your injuries are severe or you chose an &#8216;<span data-term-id=\"59372027\">unlimited right to sue<\/span>&#8216; option on your policy.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"fl-rich-text\">\n<div><p>This article explains:<\/p>\n<ul>\n<li>\n<p><span data-term-id=\"59372046\">New Jersey<\/span><span data-term-id=\"59372046\">&#8216;s <\/span><span data-term-id=\"59372028\">no-fault law<\/span><\/p>\n<\/li>\n<li>\n<p>Your insurance choices and what they mean for your right to sue<\/p>\n<\/li>\n<li>\n<p>Other key rules like deadlines and shared fault<\/p>\n<\/li>\n<\/ul>\n<p>If you&#8217;ve been injured in a <span data-term-id=\"59372041\">car crash<\/span>, consider meeting with a <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/new-jersey\/?fli=dcta\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"59372015\">New Jersey<\/span> car accident attorney<\/a> who can help you navigate these laws and pursue the compensation you deserve.<\/p>\n<h2>What &#8220;No-Fault&#8221; Really Means in <span data-term-id=\"59372015\">New Jersey<\/span><\/h2>\n<p>In a no-fault state like <span data-term-id=\"59372015\">New Jersey<\/span>, your own <span data-term-id=\"59372029\">auto insurance policy<\/span> is your primary source for <span data-term-id=\"59372021\">medical expense<\/span> coverage after an accident, regardless of who was at fault. This is handled through your <a href=\"https:\/\/dictionary.findlaw.com\/definition\/personal-injury-protection-pip.html\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"59372016\">Personal Injury Protection<\/span> (<span data-term-id=\"59372017\">PIP<\/span>)<\/a> coverage.<\/p>\n<p>The main benefit of this system is that your <span data-term-id=\"59372024\">medical bills<\/span> can be paid quickly by your own insurer, avoiding delays while fault is being determined.<\/p>\n<p>As Toms River, <span data-term-id=\"59372015\">New Jersey<\/span> attorney <a href=\"https:\/\/lawyers.findlaw.com\/new-jersey\/toms-river\/rc-shea--associates-counsellors-at-law-NDgxOTAyNF8x\/\" target=\"_blank\" rel=\"noopener\">Michael Deem of R.C. Shea &amp; Associates<\/a> points out, this is the core of the no-fault concept:<\/p>\n<p>&#8220;The no-fault system only applies to <span data-term-id=\"59372017\">PIP<\/span> <span data-term-id=\"59372021\">medical expense<\/span> benefits, which are payable to an insured regardless of fault (absent intentional or criminal acts), hence the &#8220;no-fault&#8221; concept. Therefore, assuming a driver is operating an insured vehicle, if the operator causes the motor vehicle crash and is injured, then that driver is entitled to <span data-term-id=\"59372017\">PIP<\/span> benefits, regardless of his fault.&#8221;<\/p>\n<h2>What Is the &#8220;Limitation on Lawsuit&#8221; in <span data-term-id=\"59372015\">New Jersey<\/span>?<\/h2>\n<p>The trade-off for receiving these no-fault <span data-term-id=\"59372017\">PIP<\/span> benefits is that <span data-term-id=\"59372015\">New Jersey<\/span> law limits your right to sue the <span data-term-id=\"59372020\">at-fault driver<\/span> for <span data-term-id=\"59372049\">non-economic damages<\/span>, like <a href=\"https:\/\/www.findlaw.com\/state\/new-jersey-law\/pain-and-suffering-damages-in-new-jersey.html\"><span data-term-id=\"59372019\">pain and suffering<\/span><\/a>. This is often called the &#8220;limitation on lawsuit&#8221; or &#8220;verbal threshold.&#8221;<\/p>\n<p>When you buy car insurance in <span data-term-id=\"59372015\">New Jersey<\/span>, you must make a critical choice that determines your ability to sue:<\/p>\n<ol>\n<li>\n<p><strong><span data-term-id=\"59372027\">Unlimited right to sue<\/span>:<\/strong> You pay a higher premium, but you retain the right to sue the <span data-term-id=\"59372020\">at-fault driver<\/span> for <span data-term-id=\"59372019\">pain and suffering<\/span> for <em>any<\/em> injury.<\/p>\n<\/li>\n<li>\n<p><strong><span data-term-id=\"59372032\">Limited right to sue<\/span>:<\/strong> You pay a lower premium, but you give up your right to sue for <span data-term-id=\"59372019\">pain and suffering<\/span> <em>unless<\/em> your injuries meet a certain level of severity.<\/p>\n<\/li>\n<\/ol>\n<p>The state&#8217;s <a href=\"http:\/\/www.state.nj.us\/dobi\/division_consumers\/insurance\/basicpolicy.shtml\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"59372042\">Basic Policy<\/span><\/a> automatically includes the <span data-term-id=\"59372032\">Limited Right to Sue<\/span> option. Most drivers have a <a href=\"http:\/\/www.state.nj.us\/dobi\/division_consumers\/insurance\/standardpolicy.html\" target=\"_blank\" rel=\"noopener\">Standard Policy<\/a> where this choice is made. The &#8220;<span data-term-id=\"59372042\">Basic Policy<\/span>&#8221; is generally the cheapest option but automatically restricts your rights, while the &#8220;Standard Policy&#8221; gives you the choice.<\/p>\n<h2>What Injuries Qualify for a <span data-term-id=\"59372019\">Pain and Suffering<\/span> Lawsuit?<\/h2>\n<p>If you have the &#8220;<span data-term-id=\"59372032\">limited right to sue<\/span>&#8221; option, you can only sue the <span data-term-id=\"59372020\">at-fault driver<\/span> for <span data-term-id=\"59372019\">pain and suffering<\/span> if your injury is considered severe enough to meet the legal threshold. Under <a href=\"https:\/\/codes.findlaw.com\/nj\/title-39-motor-vehicles-and-traffic-regulation\/nj-st-sect-39-6a-8\/\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"59372015\">New Jersey<\/span> law<\/a>, this includes:<\/p>\n<ul>\n<li>\n<p><span data-term-id=\"59372036\">Loss of a body part<\/span> (dismemberment)<\/p>\n<\/li>\n<li>\n<p>Significant disfigurement or significant scarring<\/p>\n<\/li>\n<li>\n<p>A <span data-term-id=\"59372047\">displaced fracture<\/span><\/p>\n<\/li>\n<li>\n<p><span data-term-id=\"59372035\">Loss of a fetus<\/span><\/p>\n<\/li>\n<li>\n<p>A <span data-term-id=\"59372030\">permanent injury<\/span> (an injury that has not healed to function normally and will not heal to function normally with further <span data-term-id=\"59372033\">medical treatment<\/span>)<\/p>\n<\/li>\n<li>\n<p>Death<\/p>\n<\/li>\n<\/ul>\n<p>This limitation applies only to <span data-term-id=\"59372049\">non-economic damages<\/span> (<span data-term-id=\"59372019\">pain and suffering<\/span>). You can always file a claim against the <span data-term-id=\"59372020\">at-fault driver<\/span>&#8216;s <span data-term-id=\"59372038\">insurance provider<\/span> for economic damages like vehicle repairs and <span data-term-id=\"59372024\">medical bills<\/span> that exceed your own <span data-term-id=\"59372018\">PIP<\/span><span data-term-id=\"59372018\"> coverage<\/span>.<\/p>\n<h2>When Can You Sue the <span data-term-id=\"59372020\">At-Fault Driver<\/span>?<\/h2>\n<p>After a car accident in <span data-term-id=\"59372015\">New Jersey<\/span>, your first source of compensation for <span data-term-id=\"59372024\">medical bills<\/span> is your own <span data-term-id=\"59372016\">Personal Injury Protection<\/span> (<span data-term-id=\"59372017\">PIP<\/span>) insurance. But what happens when your injuries are severe, or your costs go beyond what your policy covers? In certain situations, you have the right to step outside the no-fault system and file a <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-accident-lawsuit-basics.html\"><span data-term-id=\"59372043\">personal injury claim<\/span><\/a> against the <span data-term-id=\"59372020\">at-fault driver<\/span>.<\/p>\n<p>A lawsuit against the responsible driver is typically necessary in these three scenarios:<\/p>\n<ol>\n<li>\n<p><strong>To recover for <span data-term-id=\"59372019\">pain and suffering<\/span>.<\/strong> This is the most common reason to file a lawsuit. If you chose the &#8220;<span data-term-id=\"59372027\">Unlimited Right to Sue<\/span>&#8221; on your insurance policy, you can sue for <span data-term-id=\"59372049\">non-economic damages<\/span> (like <span data-term-id=\"59372048\">emotional distress<\/span> or <span data-term-id=\"59372019\">pain and suffering<\/span>) for any injury. If you have the &#8220;<span data-term-id=\"59372032\">Limited Right to Sue<\/span>,&#8221; your injury must meet the state&#8217;s severity threshold\u2014such as a <span data-term-id=\"59372030\">permanent injury<\/span>, significant disfigurement, or a <span data-term-id=\"59372047\">displaced fracture<\/span>\u2014to qualify for a lawsuit.<\/p>\n<\/li>\n<li>\n<p><strong>When <span data-term-id=\"59372024\">medical bills<\/span> and <span data-term-id=\"59372023\">lost wages<\/span> exceed your <span data-term-id=\"59372017\">PIP<\/span> limits.<\/strong> Your <span data-term-id=\"59372017\">PIP<\/span> policy has a maximum payout limit. While the standard policy offers up to $250,000 in coverage, many drivers choose a lower amount to save on premiums. If your <span data-term-id=\"59372021\">medical expenses<\/span> and lost income are higher than your <span data-term-id=\"59372017\">PIP<\/span> limit, you can sue the <span data-term-id=\"59372020\">at-fault driver<\/span> to recover the excess amount.<\/p>\n<\/li>\n<li>\n<p><strong>For vehicle repairs and other <span data-term-id=\"59372022\">property damage<\/span>.<\/strong> <span data-term-id=\"59372015\">New Jersey<\/span>&#8216;s &#8220;no-fault&#8221; rule applies to your <span data-term-id=\"59372025\">bodily injuries<\/span>, not your vehicle. To get compensation for car repairs, you must file a claim directly against the <span data-term-id=\"59372020\">at-fault driver<\/span>&#8216;s <span data-term-id=\"59372034\">property damage<\/span> <span data-term-id=\"59372026\">liability<\/span><span data-term-id=\"59372026\"> insurance<\/span>. If their insurer disputes fault or offers an unfair settlement, a lawsuit may be necessary to recover what you are owed.<\/p>\n<\/li>\n<\/ol>\n<p>Determining whether your injuries meet the legal threshold, calculating the full extent of your economic losses, and navigating a claim against another driver&#8217;s insurer are complex issues to sort through. An experienced car accident attorney can review your insurance policy and the details of your case to advise you on the best path forward. They can handle communications with insurance adjusters and file a lawsuit on your behalf to pursue the full compensation you deserve.<\/p>\n<h2>What If I Am Partially at Fault? <span data-term-id=\"59372015\">New Jersey<\/span>&#8216;s Comparative Negligence Rule<\/h2>\n<p>When you sue an <span data-term-id=\"59372020\">at-fault driver<\/span>, their insurance company may argue that you were also partially to blame for the crash. <span data-term-id=\"59372015\">New Jersey<\/span> uses a <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/contributory-and-comparative-negligence.html\" target=\"_blank\" rel=\"noopener\">modified comparative negligence<\/a> standard to handle these situations.<\/p>\n<p>Under this rule, you can recover damages as long as your share of fault is <strong>50% or less<\/strong>. Then your total compensation will be reduced by your percentage of fault. For example, if you have $100,000 in damages but are found 20% at fault, you can recover $80,000.<\/p>\n<p>If you are found to be <strong>51% or more at fault<\/strong>, you are barred from recovering any compensation at all.<\/p>\n<h2>What If the <span data-term-id=\"59372020\">At-Fault Driver<\/span> Has No Insurance (or Not Enough)?<\/h2>\n<p class=\"\">A common fear after a crash is discovering the <span data-term-id=\"59372020\">at-fault driver<\/span> is uninsured or has a policy with low limits that won\u2019t cover all your damages. Your own <span data-term-id=\"59372029\">auto insurance policy<\/span> provides a safety net for this exact situation, but your level of protection depends on the type of policy you have.<\/p>\n<p>While <a href=\"https:\/\/www.nj.gov\/dobi\/ins_ombudsman\/wysk3.htm\" target=\"_blank\" rel=\"noopener\">Uninsured Motorist (UM)<\/a> coverage is required on all Standard Policies in <span data-term-id=\"59372015\">New Jersey<\/span>, it is not included in the state&#8217;s low-cost <span data-term-id=\"59372042\">Basic Policy<\/span>. Drivers may also purchase Underinsured Motorist (UIM) coverage separately.<\/p>\n<p>Attorney <a href=\"https:\/\/lawyers.findlaw.com\/new-jersey\/toms-river\/michael-j-deem-esq-MzU1MDgwMF8x\/\" target=\"_blank\" rel=\"noopener\">Michael Deem<\/a> offers a clear explanation of how these coverages work and how to know if you are considered underinsured:<\/p>\n<p>&#8220;UM covers you for injuries you sustain when the other driver is not insured. UIM applies to cover you when the other driver does not have enough insurance to cover your injuries. The first step in determining whether you are underinsured is to compare your UIM policy limits with the negligent driver\u2019s liability limits. If your UIM policy limits are greater than the negligent driver\u2019s liability limits, then you are considered underinsured.&#8221;<\/p>\n<p>In short, if your policy includes this coverage:<\/p>\n<ul>\n<li>\n<p><strong>Uninsured Motorist (UM):<\/strong> Pays for your injuries and damages if the <span data-term-id=\"59372020\">at-fault driver<\/span> has no insurance.<\/p>\n<\/li>\n<li>\n<p><strong>Underinsured Motorist (UIM):<\/strong> Pays for damages that exceed the <span data-term-id=\"59372020\">at-fault driver<\/span>&#8216;s policy limits.<\/p>\n<\/li>\n<\/ul>\n<p>Filing a UM\/UIM claim means negotiating with your own insurance company. Because these claims can be complex, it is wise to consult with a <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/new-jersey\/?fli=dcta\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"59372031\">personal injury attorney<\/span><\/a> who can review your policy and fight to ensure you receive the full compensation you are entitled to.<\/p>\n<h2>Deadlines and Damage Caps for Car Accident Lawsuits<\/h2>\n<p>In <span data-term-id=\"59372015\">New Jersey<\/span>, the <a href=\"https:\/\/www.findlaw.com\/state\/new-jersey-law\/new-jersey-civil-statute-of-limitations-laws.html\">statute of limitations<\/a> for filing a personal injury lawsuit is two years from the date of the accident. If you miss this deadline, you will lose your right to sue. Different deadlines can apply to <span data-term-id=\"59372022\">property damage<\/span> claims or claims against government entities.<\/p>\n<p>For most <span data-term-id=\"59372039\">car accident claims<\/span>, <span data-term-id=\"59372015\">New Jersey<\/span> does not limit the amount of compensation you can receive for your <span data-term-id=\"59372024\">medical bills<\/span>, <span data-term-id=\"59372023\">lost wages<\/span>, or <span data-term-id=\"59372019\">pain and suffering<\/span>. While the state does have a cap on <a href=\"https:\/\/dictionary.findlaw.com\/definition\/damage.html\" target=\"_blank\" rel=\"noopener\">punitive damages<\/a>, these are rarely awarded in car accident cases and are reserved for punishing extreme misconduct, not for compensating victims.<\/p>\n<h2>Get Legal Help with Your <span data-term-id=\"59372015\">New Jersey<\/span> <span data-term-id=\"59372039\">Car Accident Claim<\/span><\/h2>\n<p><span data-term-id=\"59372015\">New Jersey<\/span>&#8216;s <span data-term-id=\"59372040\">no-fault insurance system<\/span> adds a layer of complexity to <span data-term-id=\"59372039\">car accident claims<\/span>. Understanding whether you are limited in your right to sue and how shared fault may impact your recovery is critical. An experienced <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/new-jersey\/?fli=dcta\" target=\"_blank\" rel=\"noopener\"><span data-term-id=\"59372015\">New Jersey<\/span> <span data-term-id=\"59372031\">personal injury attorney<\/span> experienced in car accident cases<\/a> can evaluate your case, explain your options, and fight to protect your right to fair compensation.<\/p><\/div>\n<\/div>\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span 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class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                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class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    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class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"fl-section-sidebar\"><div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer can help seek fair 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Find out how your PIP coverage pays for medical bills and when you can sue an at-fault driver for pain and suffering.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":374945,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","_cf_multicollab_revision_bundle":"","footnotes":"","cf_checklist_status":["External Links","Alt Text for All Images","Category Assigned"]},"categories":[2743],"tags":[],"state_laws_tags":[3230],"flmsa":[],"class_list":["post-374970","page","type-page","status-publish","hentry","category-state","state_laws_tags-statelaws_31_7"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/374970","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=374970"}],"version-history":[{"count":3,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/374970\/revisions"}],"predecessor-version":[{"id":409907,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/374970\/revisions\/409907"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/374945"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=374970"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=374970"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=374970"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=374970"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=374970"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}