New Jersey Auto Insurance – What Your Policy REALLY Says Matters
If you’re involved in a car accident in New Jersey, the most important question may not be who caused it — it may be what’s written in your auto insurance policy.
New Jersey is a no-fault state, and that changes everything.
Here’s what you need to know:
✔️ PIP (Personal Injury Protection) typically pays your medical bills first — regardless of fault.
✔️ But PIP does NOT compensate you for pain and suffering.
✔️ Your policy likely contains either a Verbal Threshold (Limitation on Lawsuit) or a Zero Threshold (No Limitation on Lawsuit) option.
✔️ If you have the Verbal Threshold, you must meet specific legally defined categories — such as proving a permanent injury with objective medical evidence — before recovering for pain and suffering.
✔️ If you selected the Zero Threshold, you are not bound by those strict limitations.
Most drivers don’t even realize which option they chose.
New Jersey also allows drivers to carry minimal liability limits, which means the at-fault driver may have very little coverage available. In many cases, your own insurance coverage may be your most important financial protection.
The reality?
Your compensation after an accident can range from meaningful recovery to almost nothing — depending on the details of your policy.
📌 Before you need it, understand it.
📌 After an accident, make sure you know exactly what you can and cannot pursue.
At ASK Law Firm, we focus on personal injury matters and fight for fair compensation for our clients across New Jersey
If you have questions about your coverage or your rights after an accident, contact us:
🌐 https://asklawfirm.com/auto-accidents/
📍 Offices in Woodbridge & Hackensack, NJ
📞 (862) ASK-FIRM
This video is for informational purposes only and does not constitute legal advice.