automobile insurance

The 11 Exceptions to the Verbal Threshold in New Jersey

An Attempt to Limit Litigation over Motor Vehicle Accidents in New Jersey In an attempt to limit litigation over motor vehicle accidents, in 1998, New Jersey enacted the Automobile Insurance Cost Reduction Act (AICRA).  Specifically, AICRA intended to limit the right of car accident victims to sue for pain and suffering damages. There are, however, several important exceptions that allow a New Jersey car accident victim to recover full [...]

The 11 Exceptions to the Verbal Threshold in New Jersey2024-03-15T18:45:59-07:00

New Jersey’s Verbal Threshold: Can You Sue for Injuries After a Car Accident in New Jersey?

Can You Sue for Injuries After a Car Accident in New Jersey? Pursuant to New Jersey’s Automobile Insurance Cost Reduction Act (AICRA), those purchasing car insurance policies have the option of choosing between the No Limitation on Lawsuit (also known as Zero Threshold) and the Limitation on Lawsuit (also known as Verbal Threshold) policies.  The difference between the two is that the No Limitation on Lawsuit option gives the [...]

New Jersey’s Verbal Threshold: Can You Sue for Injuries After a Car Accident in New Jersey?2024-03-15T18:46:26-07:00

Passengers Injured in Car Accident: Who Pays My Medical Bills?

Medical Bills for Passengers in Car Accidents in New Jersey New Jersey passengers injured in auto accidents are often confused about which car insurance company is required to pay for their medical bills.  Generally, as a passenger involved in a car accident in New Jersey, your medical bills will be covered by your own auto insurance company (if you have one) or that of a relative with which you [...]

Passengers Injured in Car Accident: Who Pays My Medical Bills?2024-03-15T18:46:45-07:00

PIP Coverage in New Jersey: What is Covered?

Auto Insurance After an Accident in New Jersey Most people do not spend much time thinking about their automobile insurance policy.  In fact, if you are lucky, you may never use your car insurance at all.  Some people, however, find out the hard way that you may find yourself reliant on your auto insurance policy even when you are not at fault for an accident or even if you [...]

PIP Coverage in New Jersey: What is Covered?2024-03-15T18:47:14-07:00

The Basics of PIP: Setting Up a Medical Claim

Car Accidents Caused by a Negligent Driver in New Jersey If you are involved in a car accident in New Jersey, making sure that your medical bills get paid may seem like a nightmare.   Although it may seem counter-intuitive, when a New Jersey driver is injured in a car accident caused by another negligent driver, the injured driver’s own car insurance company is responsible for paying their medical bills, [...]

The Basics of PIP: Setting Up a Medical Claim2024-03-15T18:47:55-07:00
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