New Jersey No Fault Auto Insurance

The state of New Jersey uses a modified no fault insurance system, but also allows drivers to opt for traditional or tort insurance instead. Tort insurance works like insurance in any other state, but no fault insurance covers monetary damage without the need for a court case.

Auto insurance companies licensed in New Jersey will automatically report your no fault car insurance coverage to the New Jersey Department of Motor Vehicles (DMV). New Jersey insurance companies must also report cancelled or dropped no fault auto insurance to the DMV to ensure that all cars in the state are in compliance with the law.

All drivers in New Jersey must have personal injury protection or PIP. PIP is a staple of no fault insurance and is required by all states that use such a system. Other types of coverage required by New Jersey include: bodily injury, property damage, and uninsured motorist.

New Jersey's no fault insurance law is considered modified because policy holders may sue if their damage reaches a certain threshold. In New Jersey this threshold is not monetary so it is often debated what amount of damage is serious enough to justify litigation. The good thing about not stating a monetary threshold is it eliminates the need to inflate medical bills to meet such a threshold.

Helpful New Jersey No Fault Auto Insurance Links:

New Jersey Auto Insurance Quotes

Free New Jersey auto insurance quote links are made available to you below. To get a free auto insurance quote in New Jersey, click GO beside one of the auto insurance companies in the list below. Follow the instructions on how to get your free no obligation quote and if you like your quote, how to buy your New Jersey auto insurance online.

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