Under New Jersey’s “no-fault” auto insurance law, an injured person doesn’t initially seek recovery from the driver or his/her insurance provider. Car owners seek reimbursement of medical expenses through their own auto insurance provider by filing a personal injury protection (PIP) claim. Those who don’t own a car typically file a PIP claim with the insurance provider of a relative who owns a car—a parent, sibling, child, or other relation.
But what if you are injured in a motor vehicle accident, don’t own your own car (and have your own policy of automobile insurance), and don’t have a relative who owns a car? If the driver of the at-fault vehicle has insurance, you can file a PIP claim through their insurer. You may, however, file only one PIP claim for an accident.
In the unlikely event that you don’t own a car; you have no relatives who own a vehicle; and the driver of your car was uninsured, you can seek compensation from a special state fund known as the New Jersey Property-Liability Insurance Guaranty Association (PLIGA).
At the office of Howard N. Sobel, we work closely with people who suffer personal injury in New Jersey. Contact our office online or call us at 856-424-6400 to set up a free initial consultation (on selected cases). We are currently available by phone, text message, or videoconference. Evening and weekend appointments can be arranged upon request. We accept all major credit cards.
Named a New Jersey Super Lawyer Every Year since 2010, Including 2022
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