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New Jersey increased car insurance minimums in 2023, and they’re going up again in 2026. ... Because New Jersey is a no-fault state, drivers are required to carry personal injury protection (PIP ...
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.
In choice no-fault states, you pick your system when you buy car insurance — either at-fault or no-fault. If you pick the no-fault option, your insurance covers your injuries regardless of who ...
States are generally categorized into two insurance systems — no-fault and at-fault — which strongly impact the type of coverage you need on your car insurance policy and how your claim is paid.
Vehicle insurance in the United States (also known as car insurance or auto insurance) is designed to cover the risk of financial liability or the loss of a motor vehicle that the owner may face if their vehicle is involved in a collision that results in property or physical damage. Most states require a motor vehicle owner to carry some ...
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 ...
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