Is New Jersey a no-fault state?
Yes, for injuries. New Jersey uses no-fault Personal Injury Protection (PIP), which pays your own medical bills no matter who caused the crash. With a Standard Policy you also choose whether to limit your right to sue for pain and suffering.
Last checked November 9, 2026 · Official sources (5)
How does New Jersey car insurance work?
“It is sometimes called “no-fault” coverage because it pays your own medical expenses no matter who caused the auto accident.”
New Jersey Department of Banking and Insurance, Auto Insurance Buyer's Guide (2026)
What is New Jersey's minimum car insurance?
| Coverage | What New Jersey requires |
|---|---|
| Injury to one person | $35,000 |
| Injuries in one crash | $70,000 |
| Damage to property | $25,000 |
| Personal injury protection (PIP) | PIP is required. On a Standard Policy you can choose from $15,000 up to $250,000 or more, and certain serious injuries are covered up to $250,000 whatever limit you pick. |
When can you sue in New Jersey?
If you chose the Limitation on Lawsuit option, you agreed not to sue for pain and suffering unless you have one of the permanent injuries the state lists.
Other choice no-fault states
Questions
How much insurance does New Jersey require?
On a Standard Policy, bodily injury liability can be as low as $35,000 per person and $70,000 per crash.
What if you were partly at fault in New Jersey?
If you were partly at fault, your money is cut by your percentage of fault, and you get nothing only if your fault is greater than that of the people you are suing.
When can you sue after a crash in New Jersey?
If you picked the Limitation on Lawsuit option, you can sue the at-fault driver for pain and suffering only for certain permanent injuries the state lists (such as loss of a body part, significant disfigurement or scarring, a displaced fracture, loss of a fetus, permanent injury, or death). You can still sue for economic losses like medical bills and lost wages.
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See if I’m owed moneySources (5)
- New Jersey Department of Banking and Insurance, Auto Insurance Buyer's Guide (2026), checked 2026-11-09. “It is sometimes called “no-fault” coverage because it pays your own medical expenses no matter who caused the auto accident.”
- New Jersey Department of Banking and Insurance, checked 2026-11-09. “Coverage for claims and lawsuits by people injured as a result of an auto accident you cause As low as: $35,000 per person, $70,000 per accident”
- New Jersey Department of Banking and Insurance, checked 2026-11-09. “As low as: $15,000 per person or accident As high as: $250,000 or more Up to $250,000 for certain injuries* regardless of of selected limit”
- New Jersey Statutes § 2A:15-5.1, checked 2026-11-09. “if such negligence was not greater than the negligence of the person against whom recovery is sought or was not greater than the combined negligence of the persons against whom recovery is sought.”
- New Jersey Department of Banking and Insurance, checked 2026-11-09. “By choosing the Limitation on Lawsuit Option, you agree not to sue the person who caused an auto accident for your pain and suffering unless you sustain one of the permanent injuries listed below:”