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GLOSSARY
Personal injury protection, or PIP, is New Jersey’s no-fault medical coverage on an auto policy. It pays covered medical expenses for you and others on your policy after a car accident, no matter who caused the crash.
PIP can also include benefits like lost wages or essential services, depending on the options you elect. New Jersey requires PIP. The exact limit and deductible are choices on the policy.
EXAMPLE
You are hurt in a crash that was not your fault. In New Jersey you still go to your own PIP first for medical bills, instead of waiting on the other driver’s liability claim.
Hospital bills do not wait for a fault fight to finish. PIP is how New Jersey gets treatment started under your own policy.
You will also choose a PIP deductible and how PIP coordinates with health insurance. A licensed agent walks those elections so nothing required is missed.
FAQ
Yes. New Jersey requires personal injury protection on auto policies, along with liability and uninsured motorist coverage at state minimums. An agent confirms the current amounts on your quote.
For your medical benefits, generally no. That is why it is called no-fault. Separate liability claims against the other driver are a different process.
PIP is still required. Some policies let you elect health insurance as primary for medical bills. That choice has tradeoffs. Ask an agent before you pick it.
A licensed New Jersey agent can walk you through it. Free to start.Free to start. In your language. A licensed agent confirms every requirement with you.
Quotes are estimates and subject to carrier underwriting.