New Jersey drivers must usually carry Personal Injury Protection policies, which often create as many problems as they solve. Under a PIP policy, the insurer is covering only your personal medical issues that arise from an accident, without extending that coverage to any property damage or medical expenses of others who suffer in an accident.
The good news is that PIP policies cover your medical expenses (and in some cases things like lost wages), even if you are at fault in the accident.
The less good news is that getting the most out of your PIP coverage can be an unbelievable hassle. Like many difficult dilemmas, it is wise to get professional help when seeking fair treatment from your PIP provider.
With the guidance of an attorney who has years of experience navigating New Jersey's insurance industry and the legal system's approach to personal injury claims toward PIP policies, you stand a much better chance of receiving fair compensation.
Knowing the moves is half of the dance
Part of the difficulty with getting the most out of your PIP policy is knowing where to start and anticipating the many moves that you must make in order to maximize your benefits.
PIP policies are different from many other kinds of insurance, and are bound up in both state law and private business practices. If given the option of paying for PIP insurance or not, many people in New Jersey would choose to forego the policy.
Similarly, insurers are unlikely to offer to pay for anything that they don't absolutely have to under the law. The truth of the matter is that, unless you know exactly which buttons to push and which hoops to jump through, you will not get everything that you are rightfully entitled to receive.
The system is not a simple one, and includes many compromises that state law and insurers have made over time.
If you suddenly are thrust into the PIP insurance dance, be sure to choose a partner who knows all the moves.
A strong team means strong results
You deserve to get the most out of your mandated PIP insurance. An attorney with many years of experience practicing in New Jersey and dealing with insurance companies will know how to fight for your fair treatment, using the law to protect your rights.