Here is where the money in a New Jersey claim comes from, and what shapes the outcome.
What a claim can include
In New Jersey, money after a crash usually comes from two places.
- Your own PIP coverage. Personal Injury Protection pays your medical bills first, whoever caused the crash, up to the limit on your policy. The guide on who pays your medical bills explains how it works.
- A claim against the driver at fault. This can cover what PIP doesn’t: medical costs above your limit, lost income, and, when the law allows, pain and suffering.
Whether you can recover for pain and suffering often depends on the lawsuit option on your auto policy. Many New Jersey policies carry a limit that allows that claim only for certain serious or permanent injuries. Raffi will review your policy with you.
What shapes the outcome
- The injury and the medical record. Prompt, consistent treatment documents what happened to you.
- The evidence. Photos, the police report, witnesses and video can decide who was at fault. See the evidence that supports a claim.
- Fault. In New Jersey, your recovery is reduced by your share of fault, and you can’t recover if you were more than 50% at fault.
- The insurance available. The at-fault driver’s limits, and your own underinsured coverage, set practical limits on a recovery.
Results may vary depending on your particular facts and legal circumstances.
Talk about your case
The consultation is free. Call any time, 24/7, at 855-RAFFI-25 (855-723-3425), or send a message. If you hire the firm on a contingency fee, there is no attorney’s fee unless money is recovered for you. If there is no recovery, you may still be responsible for case costs, as explained in your retainer agreement.