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What is the law concerning New Jersey car insurance?

Insurance policies in New Jersey are referred to as no fault insurance, which means that the majority of policies cover individuals and their families who reside with them for injuries suffered in motor vehicle collisions. One’s medical expenses are covered regardless of who was at fault in causing the crash. Thus, even in the event that one is to blame for causing the accident, and one sustains injuries, the insurance policy will cover the cost of medical care to the degree to which the owner buys his or her own policy.

This type of coverage is called Personal Injury Protection, or PIP. It is required in the majority of New Jersey policies, and will determine whether one receives medical care if one suffers injury in a collision. It is described as a kind of health insurance policy.

There are some people who may select their own health insurance policy to be the primary one for motor vehicle collision. However, several policies do not take primary payer status, and one may have to pay an extra health care premium. In the event of a lawsuit and recovery, there could also be a significant lien on the recovery, whereas if one were to purchase an auto insurance policy PIP, there would be no lien.

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