How Does New Jersey No-Fault Accident Insurance Work?

Answers from Auto Accident Attorneys in Toms River, Edison, Brick and Freehold

If you or a loved one has been injured in a motor vehicle accident in New Jersey, you may not understand how to file an insurance claim. What you don’t know can hurt you. At the law firm of Lombardi and Lombardi, P.A., we offer a free consultation to answer your questions. Call today to speak to an experienced attorney.

Who Will Pay My Medical Bills?

If you are a New Jersey resident, you have what is known as no-fault insurance. Your own insurance company will pay your medical bills, regardless of fault. Preauthorization by your no-fault carrier is required for non-emergency care.

No-fault insurance carriers have procedural requirements that you are required to follow. For example, you need to complete a personal injury protection (PIP) application to start receiving benefits. Our lawyers can help you avoid mistakes in the application process that could limit your recovery. We also file actions against no-fault carriers if your PIP benefits are wrongly terminated.

If you are a resident of another state and are injured in a New Jersey accident, contact our lawyers for more information.

Does No-Fault Insurance Limit My Ability to Sue the Other Driver?

If your actual loss exceeds the amount you are entitled to in PIP coverage, our lawyers can include this excess lost income in a lawsuit against the at-fault driver. While no-fault benefits are limited, compensation from personal injury suits is unlimited and covers all of your damage from the accident.

If you chose the lawsuit limitation insurance option, you can only sue the other driver if your injuries meet a certain threshold. Our lawyers can explain your options, based on your insurance policy and your injuries.

Contact the Toms River Auto Accident Injury Lawyers of Lombardi and Lombardi, P.A.

If you have a question about your insurance coverage after an accident, call our no-fault lawyers in New Jersey today or simply contact us online. We offer weekend and evening appointments and can travel to meet with you if you are recovering in a hospital or at home. We serve clients in Middlesex County and throughout New Jersey.

Learn about uninsured and underinsured motorist coverage.

Call Lombardi & Lombardi

Our Practice Areas


1862 Oak Tree Road
Edison, NJ 08820

T. (732) 709-7992


10 Parsonage Rd.
Edison, NJ 08837

T. (732) 205-0580


119 Chambers Bridge Rd.
Brick, NJ 08723

T. (848) 232-2831


402 West Main Street
Freehold, NJ 07728

T. (732 )780-0569

Point Pleasant

62 Broadway
Point Pleasant Beach, NJ 08742

T. (732 )734-4490

Our Awards Our Awards Our Awards Our Awards
Lombardi and Lombardi, P.A., serves clients in Newark, Elizabeth, Edison, Woodbridge, Toms River, Brick, Middletown, Union City, Piscataway, New Brunswick, Perth Amboy, East Brunswick, Plainfield, Jackson, Sayreville, Linden, South Brunswick, Marlboro, Freehold, Manalapan, Westfield, Rahway, Carteret, Somerset, Old Bridge, South Plainfield, Cranford, Avenel, Iselin, Clark, Red Bank, Point Pleasant, Middlesex County, Essex County, Ocean County, Monmouth County, Union County, Somerset County and throughout New Jersey.

© 2020 Lombardi and Lombardi, P.A. All Rights Reserved. Site Map. Privacy Policy.