{"id":374970,"date":"2016-10-21T13:58:56","date_gmt":"2016-10-21T18:58:56","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/state\/new-jersey-law\/new-jersey-car-accident-compensation-laws.html"},"modified":"2023-01-18T16:42:46","modified_gmt":"2023-01-18T21:42:46","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":"New Jersey Car Accident Compensation Laws"},"content":{"rendered":"\n
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New Jersey Car Accident Compensation Laws<\/h1>\n
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\n By FindLaw Staff<\/a> | Legally reviewed by Garrett Monteagudo, Esq.<\/a>\n | Last updated\n
\n \n <\/i>\n Legally Reviewed\n <\/summary>\n\n
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This article has been written and reviewed for legal accuracy, clarity, and style by FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with our editorial standards<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n\n

\n \n <\/i>\n Fact-Checked\n <\/summary>\n\n
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The last updated date refers to the last time this article was reviewed by FindLaw or one of our contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please contact an attorney in your area<\/a>.<\/em><\/p>\n\n <\/div>\n <\/details>\n<\/section>\n

New Jersey is the country’s most densely populated state<\/a>. In such a congested area, car accidents are unavoidable. If you have been in a car accident in the Garden State, there are several requirements and limitations to receive compensation for damages caused by someone else’s fault. Thus, it’s important to research New Jersey car accident compensation laws in order to seek proper damages for your injuries.<\/p>\r\n

This article provides a brief overview of New Jersey car accident compensation laws.<\/p>\r\n

New Jersey’s No-Fault Auto Insurance Laws<\/h2>\r\n

New Jersey is one of the few states that follow the "no-fault" insurance<\/a> system. Under the no-fault system, you must turn to your own insurance company first to pay medical expenses and other losses arising out of the car accident. One of the benefits of the no-fault system is that medical expenses are paid quickly, avoiding extensive time periods to receive reimbursement for out-of-pocket medical bills and other expenses. However, the no-fault policy limits your right to sue for pain and suffering<\/a> unless in the most serious injuries.<\/p>\r\n

New Jersey Insurance Policies: At a Glance<\/h2>\r\n

In New Jersey, there are two common types of insurance policies: (1) Standard<\/a> and (2) Basic<\/a>. The Standard Policy includes multiple coverage options and the opportunity to buy additional protection. Most people in New Jersey are insured under this policy. The Basic Policy could be an option for people with few family responsibilities and few assets to protect.<\/p>\r\n

Standard Policy:<\/i><\/p>\r\n\r\n
Bodily Injury Liability<\/td>\r\n
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  • Minimum coverage is as low as $15,000 per person and $30,000 per accident;<\/li>\r\n
  • Maximum coverage of $250,000 per person and $500,000 per accident<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr>
Property Damage<\/td>\r\n
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  • Minimum coverage of $5,000 per accident;<\/li>\r\n
  • Maximum coverage of $100,000 or more<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr>
Personal Injury Protection<\/td>\r\n
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  • Minimum coverage of $15,000 per person or accident;<\/li>\r\n
  • Maximum coverage of $250,000 or more<\/li>\r\n<\/ul>\r\n<\/td>\r\n<\/tr>
Limitation to Sue<\/td>\r\nYou must choose one: