PIP Insurance NJ

If you are just getting car insurance for the first time, renewing a policy, or maybe even just taking a closer look at your existing policy, you may find yourself wondering what your PIP insurance is, and why you need it. This type of “no-fault” insurance coverage is a useful tool whether you are the driver or the passenger in an accident and is available whether or not you caused the accident if you were the driver. However, there are complexities 

The team at Balkin & Mausner has a history of helping clients after car accidents who need to use this portion of their insurance to get compensated for their injuries, and we will be happy to do the same for you. Determining whether or not you should be using your PIP insurance, how to get the most out of it, and what to do if you need to use other policies beyond your PIP insurance can be complicated, especially in the early days and weeks after a serious accident. We are here to help.

Read more below about PIP insurance in New Jersey, and if you are in a situation where you believe that you may need to use this insurance, contact our law firm as soon as possible to speak with an experienced attorney who can advise you on the best path forward to get the financial protection that you rightfully deserve from this no-fault insurance policy. 

What Is PIP Insurance in New Jersey?

Automotive insurance is mandatory for anyone who owns a vehicle that they will operate on the public roads of the United States, and PIP insurance is an additional mandatory policy in addition to standard policies such as liability insurance. There are a few choices that you will need to make when it comes to choosing PIP insurance, such as whether you will get it through your auto insurance provider or your healthcare provider. Depending on a range of factors, such as cost and coverage details, you will need to make this decision for yourself.

PIP insurance is a no-fault insurance policy that covers all personal injury-related financial impacts up to the policy limits, which vary depending on the amount that you select, but by law must be a minimum of $15,000. If you are in an accident, whether or not you caused, it, you can use this policy – unless you were in an accident because you were driving drunk or under the influence of other drugs, or were committing a felony at the time of your accident, you will not be able to use this policy. 

What Does PIP Insurance Cover in New Jersey?

Similar to your auto insurance policy, your PIP insurance will cover the standard compensatory economic damages that are typically sought after an accident – however, you will not need to prove that you are the victim of someone else’s negligence or recklessness to have access to the coverage. 

The damages that you are able to seek include:

  • Medical bills and all associated costs 
  • Surgical expenses or costs
  • Hospital bills
  • Expenses relating to your recovery following the accident and any subsequent treatments
  • Ambulance costs
  • Necessary services that you use during your recovery, such as home care, groceries, driving, and more

There are many other damages that you will be able to seek compensation for in addition to those mentioned above, but it is important that you work with an attorney who can help you identify all of these damages to ensure that you are compensated for what you are entitled to. 

When To Use Your PIP Insurance In New Jersey

After getting hurt in an accident, there are a variety of options and steps that you will need to consider in order to get the money that you need to move forward. Whether or not you were at fault for the accident, using your PIP coverage might be a good way to get some basic compensation or at least the coverage up to your policy limit. You can select what policy limit you would like when you choose this insurance, so your limit will depend on your selection.

Contact our firm now so that we can discuss your accident and whether or not we believe that seeking compensation through your PIP coverage is your best, or only, option for reimbursement. There are many complexities when it comes to an accident, whether or not there is a question of fault involved, and you can be certain that your insurance company will not willingly pay out every dollar that you deserve without a bit of pushing – which we are happy to take care of while you focus on recovery.

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