{"id":50436,"date":"2025-01-14T11:41:42","date_gmt":"2025-01-14T16:41:42","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?post_type=resources&#038;p=50436"},"modified":"2025-12-12T14:45:44","modified_gmt":"2025-12-12T19:45:44","slug":"personal-injury-protection-in-new-jersey","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/personal-injury-protection-in-new-jersey","title":{"rendered":"Personal injury protection in New Jersey"},"content":{"rendered":"\n<p>YYour car insurance policy consists of several coverages that help pay for expenses in different situations. One of those coverages is personal injury protection, or PIP. What does personal injury protection cover in New Jersey? Here\u2019s what you need to know about personal injury protection, what it covers, how much coverage you should get and more.&nbsp;<\/p>\n\n\n\n<a id=\"back-to-top\"><\/a>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#what\">What is personal injury protection?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#details\">PIP coverage details<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#no fault\">No fault insurance: How does it work?<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#benefits\">Benefits of PIP<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#requirements\">Requirements and limitations<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#conclusion\">Conclusion<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#faq\">FAQs<\/a><\/span><\/li><\/div>\n\n\n\n<a id=\"what\"><\/a><h2 style=\"margin-bottom:0px;\">What is personal injury protection?<\/h2>\n\n\n\n<p>Personal injury protection (PIP) helps pay for medical and other expenses regardless of fault for you and your household family members. It may also provide coverage for you if you are struck by a car while a pedestrian. PIP is sometimes known as \u201cno fault coverage\u201d because it provides coverage regardless of fault.&nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"details\"><\/a><h2 style=\"margin-bottom:0px;\">PIP coverage details<\/h2>\n\n\n\n<p>In New Jersey, you are required to carry at least $15,000 of personal injury protection coverage on your car insurance policy. A limit is the amount of coverage an insurance carrier will pay up to <a href=\"\/resources\/what-to-do-after-a-car-accident\">in the event of a claim<\/a>.&nbsp;&nbsp;<\/p>\n\n\n\n<p>PIP not only covers medical expenses, but may also cover many non-medical related benefits like lost wages, funeral costs, substitute services and more. The exact coverages will vary based on your individual policy, so check in with your insurance company for specifics. PIP in New Jersey may cover:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Medical expenses&nbsp;<\/li>\n\n\n\n<li>Lost wages&nbsp;<\/li>\n\n\n\n<li>Rehabilitation Costs&nbsp;<\/li>\n\n\n\n<li>Funeral Costs&nbsp;<\/li>\n\n\n\n<li>Substitute for services&nbsp;<\/li>\n<\/ul>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"no fault\"><\/a><h2 style=\"margin-bottom:0px;\">No fault insurance: How does it work?<\/h2>\n\n\n\n<p>No fault insurance is a type of insurance system where each party\u2019s own insurance coverage pays for their medical expenses, regardless of fault. States with this no fault insurance system are known as \u201cno fault\u201d insurance states.<\/p>\n\n\n\n<p>In <a href=\"\/resources\/no-fault-car-insurance\">no fault states like New Jersey<\/a>, your own coverage will be the primary source to help pay for your injuries and medical expenses in the event of a motor vehicle crash.<br><\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"benefits\"><\/a><h2 style=\"margin-bottom:0px;\">Benefits of PIP<\/h2>\n\n\n\n<p>Since you decide on your coverage limit when you buy your insurance policy, you know how much coverage you have access to in the event of a claim.&nbsp;&nbsp;<\/p>\n\n\n\n<p>PIP also provides additional coverage beyond just medical expenses. If your injuries prevent you from working, PIP can help compensate you for lost wages. It can also help cover costs of essential services you can no longer perform.&nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"requirements\"><\/a><h2 style=\"margin-bottom:0px;\">Requirements and limitations<\/h2>\n\n\n\n<p>In New Jersey, PIP is mandatory coverage for insurance policies. New Jersey is considered a \u201cno fault\u201d state when it comes to insurance law, which means drivers must have their own personal injury protection coverage on their insurance policy.&nbsp;<\/p>\n\n\n\n<p>PIP coverage in New Jersey carries a deductible and co-pay. You pay your PIP deductible and co-pay for each claim in which you are injured.&nbsp;<\/p>\n\n\n\n<p>In most cases, PIP covers you and your household family members. Passengers may be covered if they don\u2019t have applicable coverage on another policy. Keep in mind that PIP does not cover injuries you cause to another person. Your bodily injury liability coverage will help pay for injuries you cause to others.&nbsp;<\/p>\n\n\n\n<p>PIP does not cover physical damage to your car, another driver\u2019s car or any other personal property. To protect your vehicle, you will need collision and comprehensive coverage. Your property damage liability coverage will help pay for property you are liable for damaging in a motor vehicle crash.&nbsp;<\/p>\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"conclusion\"><\/a><h2 style=\"margin-bottom:0px;\">Conclusion: Personal injury protection in NJ<\/h2>\n\n\n\n<p>Personal injury protection helps pay for the medical expenses of you, your household family members and in some cases passengers if they don\u2019t have applicable coverage on another policy, when injured in a crash. Beyond necessary medical expenses, PIP can help pay for other expenses like lost wages, substitute services and more. PIP is required in New Jersey, where individuals go to their own insurance policies for medical expense coverage regardless of fault.&nbsp;<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"36610\" class=\"elementor elementor-36610\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee649ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee649ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c502b6\" data-id=\"4c502b6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21697f5 post-margins post-link-class elementor-widget elementor-widget-html\" data-id=\"21697f5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p style=\"margin-bottom: 0px;\"><strong>Now let\u2019s talk about you<\/strong><br \/>\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at <a href=\"tel:1-800-516-9242\">800-516-9242<\/a> or speak to a <a href=\"https:\/\/www.plymouthrock.com\/find-an-agent\">local agent<\/a>. \n<br \/><br \/>\nIf you\u2019d rather not talk, you can <a href=\"https:\/\/buy.plymouthrock.com\/esales\/entry\/start?PLF_Code=HIPT&amp;iRefid=Website&amp;iRefclickid=Copy_Link\">get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n\n\n\n<a id=\"faq\"><\/a><h2 style=\"margin-bottom:0px;\">FAQ<\/h2>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"50450\" class=\"elementor elementor-50450\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ae9a034 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ae9a034\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-66d7576\" data-id=\"66d7576\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dffb0cd elementor-widget elementor-widget-accordion\" data-id=\"dffb0cd\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2341\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2341\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How much PIP coverage should I get?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2341\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2341\"><p>The minimum coverage may not be enough to pay for all of your expenses in the event of a claim,<span data-contrast=\"auto\"> so you may want to carry more<\/span><span data-contrast=\"auto\"> than the required minimum amount<\/span><span data-contrast=\"auto\">.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2342\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2342\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Is personal injury protection required? <\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2342\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2342\"><p>Personal injury protection is required for car insurance policies in New Jersey.<span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<div style=\"width:100%; text-align:right; padding:15px 0px;\"><a href=\"#back-to-top\">Back to top >><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Personal injury protection in New Jersey can help cover your medical expenses if you are injured in a covered accident.<\/p>\n","protected":false},"author":6,"featured_media":50462,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[],"class_list":["post-50436","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Personal injury protection in New Jersey | Plymouth Rock<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.plymouthrock.com\/resources\/personal-injury-protection-in-new-jersey\" \/>\n<meta property=\"og:locale\" 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