Along with many other states in the nation, New Jersey is a no-fault state in regards to car crashes. If you’ve been in a car crash, you must file with your insurance company in order to recover damages. All drivers in New Jersey are required to have the minimum 5/15/250 liability insurance coverage which consists of $5,000 for for any property damage, $15,000 for personal injury protection (PIP), and $250,000 per individual per each accident for serious bodily injuries.
If your insurance company cannot cover the full amount of damages that incurred, you can then sue the responsible party. However, New Jersey mandates that that the car accident must have resulted in at least one of the following: death, loss of a fetus, disfigurement, a permanent injury, or displaced fractures. Since New Jersey is a no-fault state, most car accidents never get to the point of a lawsuit. However, an experienced lawyer is still highly recommended in order to lead you through the recovery process as insurance companies are prone to fight against paying out damages.