No-Fault Insurance Isn’t That Simple — Here's What Really Happens After a Crash
In a No-Fault State, Things Can Get Complicated Quickly
New Jersey follows a no-fault system for car accidents, meaning your own Personal Injury Protection (PIP) coverage typically pays for your medical bills, regardless of who caused the crash. But many clients are surprised to learn that this is only part of the picture. Depending on your policy and the seriousness of your injuries, multiple layers of insurance could be involved including the other driver’s liability coverage or your own uninsured and underinsured motorist protections.
At Barreto Law Firm, we’ve seen how confusing this process can be, even for longtime clients, which is why we’re here to guide you every step of the way.
What You Should Know After a Crash in New Jersey
PIP usually pays first, but coverage limits vary by policy
Lawsuits may still be possible in certain cases, especially with serious injuries
The other driver is not automatically responsible for your medical bills
Legal advice early on can prevent delays and denied claims
Call Barreto Law Firm for a free consultation today.
“Many assume insurance will do the right thing. But in New Jersey, even a small mistake can hurt your case. We’re here to protect your rights and remove the guesswork.”- Elizabeth Barreto, Esq.
Who Pays? It Depends on Several Key Factors
The type of auto policy you selected
Whether fault can be clearly established
Whether your PIP benefits have been used up
The extent and seriousness of your injuries
We encourage you to check in with us even if you're unsure about the details of your coverage. One quick call can provide clarity and peace of mind.
If You’ve Been Hurt, Focus on Healing. Let Us Handle the Legal Stress
Barreto Law Firm is here to guide you through delays, paperwork, and uncertainty. We’ll explain your coverage, handle insurance calls, and fight for the full compensation you deserve.
You Can Help Someone Else Too
Many of our clients come to us because someone they trust shared important information at the right time. If you have a friend, coworker, or loved one who was recently in an accident, pass this along. A few helpful words could make a big difference for their recovery and legal outcome.
Talk to Us Before Talking to Insurance
If you or someone close to you is being contacted by an insurance company, it’s important to pause. Insurance representatives may sound friendly, but their goal is to reduce payouts. Let us step in and protect your best interests from the very beginning.
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