New Jersey is one of a handful of states with no-fault car insurance laws. Despite its name, “no-fault” does not mean that fault is not assigned following a car accident. If you are new to a no-fault auto insurance state or you have not considered its implications, you may want to consider how this system defines your coverage.
No fault laws in NJ
Under no-fault laws in New Jersey, medical coverage for injuries resulting from car accidents is always provided by your own insurance company – regardless of who is at fault for the accident. Even if you are injured as a passenger in another person’s vehicle, your own insurance company will be responsible for your medical bills up to your limits.
Medical coverage on your automobile insurance policy is provided through personal injury protection (PIP). Sometimes called no-fault coverage, PIP covers the cost of your treatment and any medical equipment. PIP can also provide reimbursement for expenses related to an injury sustained in a car accident, including income continuation or essential services.
Health care primary for your PIP coverage
If you have health insurance (excluding New Jersey Family Care Plans (provided by Aetna Better Health, AmeriGroup Community Care, Horizon NJ Health, UnitedHealthcare Community Plan or WellCare) or Medicare and Medicaid), you may be eligible to select Health Care Primary for your PIP coverage. Because this option designates your health insurance carrier as your primary source of medical coverage for injuries resulting from a car accident, you can save up to 25% on your PIP premium for each insured vehicle on your policy.
When evaluating your coverage options in New Jersey, you’ll also have the option of selecting full tort or limited tort. Limited tort restricts your right to sue an at-fault driver for non-economic damages like pain and suffering unless the injury is permanent or involves disfigurement. Full tort places no restrictions on your right to sue.
It’s important to fully understand your options and rights when it comes to no-fault auto insurance. We’re happy to fully explain your choices and help you make selections that best meet your needs. You can also read more information about when do you pay the deductible for car insurance and steps to take when another driver hits your parked car .
Plymouth Rock insurance in New Jersey
Plymouth Rock companies are born and bred New Jersey insurers – we’ve been doing business in the Garden State for 25 years. We understand you and where you drive. Our mantra is that we live, work and drive in New Jersey just like you. We know what it’s like to sit in traffic on 287. We head down the shore. We eat at diners. We know to avoid heading south on the Parkway on Friday afternoons in the summer.
We also know that New Jersey is not always the cheapest place to live and premiums just seem to go up. You deserve dependable, affordable car insurance so we work extremely hard to make sure our insurance fits your budget. If you have decided to call around and get some quotes for insurance, you may wonder why they are so different? You probably want to see how affordable good insurance can be. Get your Plymouth Rock quote right now – it’s fast, easy and there’s no obligation!
