Most drivers in Burlington carry Personal Injury Protection (PIP) as part of their auto insurance. Under New Jersey’s no‑fault system, your insurer pays PIP benefits after a crash. This means you get medical and wage coverage immediately while insurers determine fault.
What losses does PIP cover?
PIP focuses on medical and related expenses tied to a car accident, with some treatments requiring preapproval. Depending on your policy, coverage may include:
- Doctor’s fees
- Hospital bills
- Rehab and therapy costs
- Lost wages
- Essential services such as household help
Typical PIP limits vary by policy. You can choose low limits ($15,000) but New Jersey law triggers higher benefits for catastrophic injuries (up to $250,000 in some cases). If your medical bills exceed your limits, you may face out of pocket costs or need to explore other legal options.
How is PIP different from other insurance claims?
PIP pays faster compared to liability claims because fault does not decide payment. In contrast, a bodily injury claim against another driver requires proof of negligence and damages. In some cases, New Jersey law limits your ability to sue for pain and suffering unless your injuries meet certain thresholds.
How to file a PIP claim
Notify your insurer and submit all required forms and medical records. Insurance companies often request examinations under oath or independent medical exams. If you miss deadlines or leave paperwork incomplete, insurers can delay or deny benefits.
The importance of legal guidance
An experienced personal injury lawyer can review your policy, help maximize PIP benefits and advise when to pursue additional claims. Because the financial impact of a crash can linger long after the accident scene clears, you need to pursue compensation as soon as you can. Prompt action protects your benefits and your right to recovery.