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As of Jan. 1, 2026, minimum auto insurance coverage in New Jersey will be: $35,000 bodily injury liability per person. $70,000 bodily injury liability per accident. $35,000 uninsured/underinsured ...
No-fault systems generally exempt individuals from the usual liability for causing bodily injury if they do so in a car collision; when individuals purchase "liability" insurance under those regimes, the insurance covers bodily injury to the insured party and their passengers in a car collision, regardless of which party would be liable under ordinary legal tort rules.
No-fault insurance. A common misconception in no-fault states is that each driver pays for all their damages — including injuries, vehicle damage and a rental car — after a loss, regardless of ...
The claim will be handled according to the state’s fault laws. Currently, 12 states follow no-fault insurance laws, with the remaining states and Washington, D.C. being considered at-fault ...
Both full tort and limited tort coverage only apply in situations where the driver or passengers have been injured in an accident that is not the driver's fault. The victim then has the option of bringing charges against the at-fault driver to sue in court for unpaid medical bills, property damage, loss of income, pain, and suffering.
Personal injury protection (PIP) is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as "no-fault" coverage, because the statutes enacting it are generally known as no-fault laws, and PIP is designed to be paid without regard ...
No-fault insurance in New Jersey, also called personal injury protection (PIP), is a required coverage. It covers your medical bills, lost wages and costs related to pain and suffering if you are ...
Until 1956, when the New York legislature passed their compulsory insurance law, Massachusetts was the only state in the U.S. that required drivers to get insurance before registration. North Carolina followed suit in 1957 and then in the 1960s and 1970s numerous other states passed similar compulsory insurance laws.