Table of Contents
Judd Shaw Injury Law is dedicated to helping clients understand their rights under PIP insurance laws and ensuring they receive the compensation they deserve. With a team of caring and skilled attorneys ready to fight for your rights, you can rest assured that you are in good hands.
Don’t let confusion or disputes with insurance companies derail your recovery process. Contact us today to schedule a consultation with a seasoned New Jersey PIP lawyer who will advocate for you every step of the way. You can trust us to handle your case with professionalism and compassion because we care about you. Call us or complete our contact form to schedule a free case review at (866) 909-6894.
What Is the Required PIP Coverage Amount in New Jersey?
New Jersey’s “No-Fault” insurance system allows drivers involved in an accident to seek compensation from their own insurance company – regardless of who was at fault. PIP can help cover medical costs, lost wages, and other related expenses regardless of who was at fault in an accident.
All New Jersey drivers are required to have personal injury protection coverage as part of their auto insurance policy to comply with the state’s “No-Fault” laws. The minimum PIP coverage amount in New Jersey is $15,000 per person per accident.
This means that if you are involved in a car crash, your insurance will cover up to $15,000 of medical expenses regardless of who was at fault. However, this minimum coverage may not be enough to fully cover all potential costs associated with an injury sustained in an accident.
Many drivers opt for higher PIP coverage limits to provide additional protection and peace of mind. By increasing your coverage amount, you can better safeguard yourself and your passengers against unforeseen circumstances on the road.
Is PIP Coverage Necessary If You Have Health Insurance in New Jersey?
Do you still need Personal Injury Protection coverage in New Jersey if you already have health insurance? Health insurance typically covers medical expenses related to illnesses or injuries. Still, it may not provide the same level of coverage as PIP.
Both PIP and health insurance can provide additional protection and peace of mind in case of accidents. Since each policy has limitations and exclusions, dual coverage ensures comprehensive financial protection.
Understanding Personal Injury Protection Insurance Coverage for Pain and Suffering
PIP insurance typically does not cover pain and suffering. Rather, it is meant to cover medical expenses related to injuries sustained in a car accident, as well as lost wages and essential services.
Pain and suffering fall under non-economic damages, which are usually pursued through a separate claim against the at-fault party in a personal injury lawsuit.
Common Challenges With PIP Claims in New Jersey
Navigating through Personal Injury Protection claims in New Jersey can be a maze of challenges. One common issue claimants face is the denial or reduction of benefits by insurance companies, leaving individuals struggling to cover medical expenses.
Other common issues are delays in processing claims or disputes over the extent of injuries and treatments covered under a victim’s policy. Insurance companies may try to minimize their payouts, leading to disagreements and prolonged negotiations. In addition, proving the necessity of specific medical procedures or therapies can become a point of contention during the claims process.
Moreover, understanding the complex regulations surrounding PIP coverage requirements in New Jersey can pose difficulties for policyholders. It is essential to be well-informed and prepared when dealing with these intricate legal matters to ensure fair treatment and adequate compensation.
The Benefits of Hiring a New Jersey Personal Injury Protection Lawyer
Navigating a lawsuit involving serious injuries requires the help of a skilled personal injury lawyer who understands New Jersey’s laws and legal procedures.
A knowledgeable personal injury lawyer can:
- Assess your case and determine whether your injuries meet the legal threshold
- Gather evidence to support your claim, such as medical records and expert witness testimony
- Negotiate with insurance companies and represent you in court if necessary
By working with a PIP lawyer, you increase your chances of a successful outcome in your case. Having proper representation can give you peace of mind, knowing that someone is fighting for your best interests every step of the way.
When Should You Hire a Personal Injury Lawyer?
New Jersey residents have two options when selecting auto insurance coverage: the Basic Policy or Standard Policy. An individual’s right to pursue a lawsuit depends on which policy he or she selects.
Under the Standard Policy, you have two paths for pursuing a lawsuit: the Limited Right to Sue or the Unlimited Right to Sue.
With the Limited Right to Sue option, you must have a qualifying injury to pursue a lawsuit. Such injuries are considered severe enough to warrant additional compensation beyond what PIP or no-fault insurance provides.
Serious injuries that may qualify for a lawsuit in New Jersey include:
- Loss of limb or part of a limb due to the accident
- Significant disfigurement or scarring
- Displaced fracture
- Loss of fetus
- Permanent injury or the loss of bodily function, body organ, or member
If your injuries meet the threshold criteria, you can file a lawsuit against the at-fault party to seek compensation for:
- Medical expenses not covered by PIP or no-fault insurance
- Lost wages and diminished earning capacity
- Pain and suffering and other non-economic damages
With the Unlimited Right to Sue option, you can sue for non-economic damages regardless of the severity of your injuries. If you have questions about your specific situation, consulting a personal injury lawyer in New Jersey can give you clarity and guidance tailored to your needs.
Tips for Choosing the Right PIP Lawyer for Your Personal Injury Case
You deserve the most skilled representation possible to secure the compensation you need to recover and move forward with your life after a personal injury. By following the tips listed below and conducting thorough research, you can find a reliable, trustworthy lawyer who can help you navigate the complexities of the legal system.
Remember that experience matters
When selecting a PIP lawyer, you should look for a lawyer who has a proven track record of success in securing favorable outcomes for his or her clients.
Additionally, personal injury law is a broad field, and not all lawyers are able to skillfully handle PIP claims. Choose a lawyer who has in-depth experience in handling PIP cases, being well-versed in the intricacies of PIP insurance laws and regulations.
Request an initial consultation
Take advantage of free initial consultations offered by PIP lawyers to discuss your case. Use this opportunity to evaluate the lawyer’s communication style, knowledge, and approach to handling personal injury cases.
Look for a lawyer with excellent communication skills
Effective communication is key to a successful lawyer-client relationship. Choose a lawyer who listens to your concerns, explains complex legal concepts in plain language, and keeps you informed about the progress of your case.
Discuss the fee structure
Understand the lawyer’s fee structure before hiring them. Many PIP lawyers work on a contingency fee basis, meaning they only get paid if you win your case. Clarify any additional costs or expenses associated with your case upfront.
Find out the firm’s success rate
When you speak to attorneys, find out their success rate in handling PIP claims. Ask about their experience in negotiating settlements and litigating cases in court. A lawyer with a high success rate is more likely to achieve a favorable outcome for your case.
Prioritize your personal comfort
Trust your instincts when choosing a PIP lawyer. Select someone you feel comfortable confiding in and who demonstrates genuine concern for your well-being. A strong attorney-client relationship is built on trust and mutual respect.
Ensure the lawyer maintains high ethical standards and professionalism in his or her practice. Check his or her credentials with the state bar association and inquire about any past disciplinary actions or complaints filed against them.
Whatever the nature of your injury, having a knowledgeable PIP lawyer by your side can alleviate stress during challenging times and provide peace of mind, knowing that someone is fighting for your best interests.
Talk to PIP Lawyers Who Care About You
At Judd Shaw Injury Law, we are more than just personal injury lawyers – we are advocates for your rights and well-being. Our team understands the complexities of personal injury protection claims in New Jersey and is dedicated to helping you navigate through them with ease.
We pride ourselves on providing personalized attention to each client, ensuring that you feel supported and informed throughout the legal process. With our experience in handling personal injury cases, you can trust that your best interests are always our top priority.
When you choose Judd Shaw Injury Law, you aren’t just hiring a lawyer – you are gaining a compassionate ally who will fight tirelessly for the compensation you deserve. Let us handle the legal intricacies while you focus on healing and moving forward from your accident.
We are committed to excellence and client satisfaction. That’s why there are no upfront costs and no obligation when you schedule a consultation with us. With our No Fee Guarantee®, you only pay us if we win your case.
So why not contact Judd Shaw Injury Law today to see how we can make a difference in your PIP claim journey? Call us today at (866) 909-6894 or complete our online contact form to get started.