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What Is No Fault Insurance in New Jersey?

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Kantrowitz, Goldhamer, Graifman, Perlmutter & Carballo, P.C.

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Written/Reviewed By:

Barry S. Kantrowitz, Esq.

Last Updated: Jun 5, 2026

Read Time: 4 mins

New Jersey is one of twelve states that have no-fault car insurance laws under which the driver’s own insurance coverage reimburses his or her medical bills after an accident, regardless of who caused the accident. Most New Jersey drivers carry no fault personal injury protection (PIP) insurance that covers at least $15,000 of an injured party’s medical costs. Unlike all but two other states, the Garden State allows drivers to opt out of the no fault system, in which case an injured driver will need to file a lawsuit against a negligent party to collect damages that can be used to pay those medical bills.

Regardless of whether you have no fault insurance or you have opted out of the system, you should always consult with an experienced car accident lawyer after you suffer injuries in a New Jersey car accident. For more than 40 years, the New Jersey personal injury law firm of Kantrowitz, Goldhamer, Graifman, Perlmutter & Carballo, P.C. has helped car accident victims to recover the highest insurance payments provided under their no fault policies and to get the largest damages awards in lawsuits against negligent drivers.

If you or a loved one were injured because of the negligent actions of another motorist call us today for a free consultation.

What expenses are covered under a New Jersey no fault auto insurance policy?

The expenses that a New Jersey no fault policy will reimburse depend on whether you carry basic or standard auto insurance coverage. Basic coverage provides a bare minimum benefit that only reimburses your medical costs and expenses up to the dollar limit of your policy. Standard coverage will pay those costs and expenses, and it will reimburse you for wages you lost while recuperating from your injuries and services you need to hire to manage tasks that you are unable to do while you recuperate from your injuries. Standard coverage also provides certain funeral death benefits for car accident fatalities.

Can you still sue the negligent driver that caused an accident if you have no fault insurance?

The concept behind no fault insurance is that you will get compensation for your injuries from your insurance carrier more quickly, but in exchange, you forfeit your right to sue the negligent driver that caused your injuries unless your injuries are severe. That exception covers injuries such as:

Loss of a limb or loss of use of a body part
Significant disfigurement or scarring, as from burns or deep wounds that leave an accident victim with facial mutilation
Displaced bone fractures
Loss of or serious injury to a fetus
Permanent, non-recoverable injuries, including paralysis
Injuries that lead to a fatality

A victim that suffers these kinds of injuries can file a car accident lawsuit to recover the full measure of damages that no fault insurance will not reimburse, including pain and suffering and other non-economic damages.

Call Kantrowitz, Goldhamer, & Graifman After a Car Accident

Your rights and opportunity to recover damages for your property losses and injuries after a New Jersey car accident are affected by the State’s no fault laws and its application of modified comparative negligence laws, which preclude damages recovery if you are more than 51% at fault for causing the accident.

In all cases, to make sure that you recover the full amount of insurance payments or damages that you are entitled to receive, call the car accident attorneys at Kantrowitz, Goldhamer, Graifman, Perlmutter & Carballo, P.C.. Contact us as soon as possible after your car accident in Bergen County or elsewhere in New Jersey. We will provide direct and straightforward answers to your questions about how New Jersey’s no fault laws will affect your damages recovery.

If you retain our services and we accept your personal injury case, we will pursue every source of damages to get you the largest recovery that you are entitled to receive under the State’s laws.

Call us today for a free, no obligation consultation.

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   LWelsh 
 16 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Clever and efficient.
  
 
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   Kenny Perlow 
 37 days ago
 
 
 Trustindex verifies that the original source of the review is Google. KGG Law, and Barry Kantrowitz in particular, set the bar high for what a thorough, practical, strategic, compassionate and smart lawyer can be. Everything about Barry's advice and representation was exemplary and the stress mitigation that resulted was invaluable. On top of that, the ultimate result Barry achieved was beyond what was reasonable to expect and we are forever grateful. Often, people say that you hire a lawyer to prevent a problem. Sometimes, unfortunately, you need an attorney to solve a problem and I could not recommend Barry and his firm any more highly in that regard.
  
 
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   Aliza Ali 
 101 days ago
 
 
 Trustindex verifies that the original source of the review is Google. My dad had a great experience with this law firm. From the very beginning, the team was professional, knowledgeable, and always willing to answer our questions. They kept us informed throughout the entire process and made what could have been a very stressful situation much easier to handle. We truly appreciated their dedication, honesty, and hard work. Thanks to their support, my dad felt confident every step of the way. We are very grateful for everything they did and would highly recommend this firm to anyone looking for reliable legal representation.
  
 
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   Jana Montero 
 104 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I had a wonderful experience working with Sam Smith. He was very responsive, thorough, and easy to work with from start to finish. He walked me through everything clearly and made what started as a very stressful situation for me into something completely manageable. I would not hesitate to recommend him and the firm!
  
 
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   Mike Sakmann 
 110 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I sought legal advice regarding an employment matter and had an excellent experience working with Sam Smith, Esq. at KGG Law. Sam was thorough, attentive, and took the time to listen carefully to my concerns before providing clear, thoughtful guidance. I appreciated the professionalism and care shown throughout the process, and I would confidently recommend KGG Law to anyone in need of legal assistance.
  
 
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   Liz Hecker 
 116 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I can't say enough about this firm. They manage to comfort you during the whole legal process while staying professional and doing what is right. I would recommend them to anyone and also hire them again if I need legal help.
  
 
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   Brandy Miller 
 139 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Kate is the best. She helped me very quickly, and was very attentive with all of my needs. So thankful for her
  
 
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   Mike Greenspan 
 152 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Kate Carballo is a dedicated, passionate, and creative attorney whom I had the pleasure to lecture with at a state trial lawyer's conference. Kate's lecture demonstrated how she uses her innovative and "out-of-the-box thinking" to achieve outstanding results for her injured clients. That Kate is certified by the Supreme Court of New Jersey as a civil trial attorney is a testament to her skills, experience and commitment to excellence.
  
 
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   Jonathan Sampson 
 159 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Was referred to KGG law by a friend and could not have asked for better legal representation. They walked me through every step of the process after my accident and began every call with “ how are you feeling” which was just one example of how much they care about their clients. They handled my case very efficiently, professionally and courteously. My attorney Kate Carballo was a rock star! So clearly experienced, she consistently made me feel at ease with the process. Highly recommend
  
 
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   Vinnie Kung 
 162 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We had a great experience with the team at KGG Law. While it was a traumatic time for our family, they made it very easy for us and explained all of our options. They even performed due diligence to make sure that after our settlement, there would be no further issues which I think is even more important than the settlement itself. Thank you!

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What Is No Fault Insurance in New Jersey?

What expenses are covered under a New Jersey no fault auto insurance policy?

Can you still sue the negligent driver that caused an accident if you have no fault insurance?

Call Kantrowitz, Goldhamer, & Graifman After a Car Accident

Why Trust Us?

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