Is New Jersey a “no-fault” state?
Over 30 years of experience. Over $100 million recovered for clients.
Is New Jersey a “no-fault” state?
Over 30 years of experience. Over $100 million recovered for clients.

Is New Jersey a “no-fault” state?

When you are injured in a car crash, many New Jerseyans assume the other vehicle that caused their accident will have the at-fault driver’s insurance carrier pay for their medical bills, etc. However, New Jersey is a “no-fault” state – meaning each driver’s insurance pays for their own medical bills after an accident, regardless of who was at-fault. Therefore, your own car insurance (not the defendant’s car insurance) will be used to pay for your medical bills via the personal injury protection (PIP) insurance coverage you selected. Importantly, your PIP coverage covers you, and any passengers in your car if they don’t have any car insurance coverage of their own. Your car insurance may also cover, depending on your insurance selections, lost income, rental car expenses, etc.

Importantly, property damage to your vehicle is NOT covered by PIP; rather any repairs your vehicle sustains would be covered by your collision insurance coverage.

After a car accident in New Jersey, you need to open up a claim with your car insurance carrier. If you are injured and want to pursue a personal injury lawsuit in New Jersey, then determining fault is critical.   If you selected a basic policy, you will have a “limited right to sue” (i.e., “limitation lawsuit threshold” a.k.a. “verbal threshold”). This means to bring a lawsuit against the party that caused the accident, you would need to “prove a permanent injury based on objective evidence.” If you selected the option for the “unlimited right to sue” then you have the right to sue against the at-fault driver, no matter the extent of your injuries.

An experienced New Jersey Car Accident Attorney can help you prove who was at-fault by investigating the accident scene, obtaining the police report, interviewing eyewitnesses and reviewing any available video surveillance, or even retain an accident reconstructionist to identify how the accident happened.

Contact a Car Accident Attorney at the Todd J. Leonard Law Firm to Schedule a Free Consultation Today!

If you have been injured in any type of motor vehicle accident, call us now to discuss your case. We have successfully handled thousands of motor vehicle accidents and ride-share claims. At the Todd J. Leonard Law Firm, we know what it takes to obtain the compensation you need and deserve if you are injured. We offer relentless personal injury representation and work to prove liability and hold those who caused an accident responsible when it comes time to reach a settlement or verdict. 

Our New Jersey personal injury attorneys have over 30 years of experience aggressively representing seriously injured clients in all types of accident claims, including those injured at work. We are a Five-Star rated law firm, recovering a total of more than $100 million on behalf of our clients.  To learn more and to schedule a FREE consultation, give us a call today at 973-920-7900. You can also connect with us through our online form. There is no risk in calling because we never charge a fee unless we can help you recover compensation for your injuries. We have two conveniently located offices in Denville and Morristown, New Jersey.

Other Car Accident FAQs:

Todd Leonard and his staff made me feel like family.

Trust me, he will take you into his hands and take care of all your personal injury legal matters. They are friendly, professional, and go out all the way for you. Thank you Todd Leonard and staff.

- Frank O.
The Leonard Law Firm is truly amazing.

They go above and beyond to make sure you get what you deserve.

- Gina V.
Mr. Leonard’s law firm constantly kept in touch

and on top of my problems. They were quick to respond to my legal needs and were very attentive and showed real concern to my issues. I highly recommend them to anyone needing legal representation.

- Leslie W.
He was relentless

until the case was fully settled and all was in our favor. Thank you so much. We highly recommend his office to anyone.

- E. and M.
I highly recommend using this law firm.

My lawyer Paul Paravati was always available there for me and gave me first rate service.

- Richard B.
Todd and his staff were courteous and caring about my personal well-being.

They were knowledgeable and settled my case in an expedited manner. I really felt they were on my side the whole way. Thank you Todd and staff for excellent treatment!

- B.H.
You are the most amazing person

and I am indebted to you forever!

- P.S.

A proven track record of success

$29.5Million
Product Liability & Auto Accident
$3.5Million
Drunk Driving Accident
$2.94Million
Car Accident Road Defect
$2.5Million
Workplace Construction Accident
$2.25Million
Fall Down Accident
$1.8Million
Car Accident State Vehicle
$1.8Million
Car Accident State Vehicle
$1.5Million
Fatal Apartment Fire
$1.36Million
Auto Accident
$1.2Million
Auto Accident
$1.0Million
Civil Sexual Assault Lawsuit
$1.0Million
Slip & Fall Accident
$1.0Million
Fall Down Accident
$29.5Million
Product Liability & Auto Accident
$3.5Million
Drunk Driving Accident
$2.94Million
Car Accident Road Defect
$2.5Million
Workplace Construction Accident
$2.25Million
Fall Down Accident
$1.8Million
Car Accident State Vehicle
$1.5Million
Fatal Apartment Fire
$1.36Million
Auto Accident
$1.2Million
Auto Accident
$1.0Million
Civil Sexual Assault Lawsuit
$1.0Million
Slip & Fall Accident
$1.0Million
Fall Down Accident
$29.5Million
Product Liability & Auto Accident
$3.96Million
Car Accident/Brain Injury
$3.5Million
Drunk Driving Accident
$3.1Million
Slip and Fall: Workers’ Compensation & Premises Liability Accident
$2.94Million
Car Accident Road Defect
$2.5Million
Workplace Construction Accident
$2.25Million
Fall Down Accident
$1.8Million
Car Accident State Vehicle
$1.5Million
Fatal Fire Apartment
$1.36Million
Auto Accident
$1.2Million
Auto Accident
$1.1Million
Slip & Fall Accident

Request a Free Consultation

Being injured or having a family member injured can have serious and lifelong consequences. We can try to ease the burden. Contact us today to learn more about how our team of experienced New Jersey accident attorneys can support you through these challenging times.