New Jersey PIP Coverage
Auto insurance is required in New Jersey. State law also requires that every insurance policy contain personal injury protection (PIP) benefits. Also known as no-fault insurance coverage, PIP pays benefits to those injured in an accident no matter who was at fault for the collision.
If you are injured in a New Jersey automobile accident, whether as a driver, passenger or pedestrian, your PIP insurance will pay for your personal medical bills related to the crash up to your policy limit. If you were the passenger or pedestrian that was injured — even if you don’t own a car or have car insurance — you are still eligible to get treatment to help you heal.
What Medical Costs Are Covered?
According to New Jersey PIP law, personal injury protection coverage provides reimbursement for all medically necessary expenses for the diagnosis and treatment of injuries caused by an auto accident up to policy limits. This can include:
- Ambulance services
- Hospital stays
- Doctors’ visits
- Specialist appointments
- Diagnostic tests such as x-rays, MRIs and CAT scans
- Medication
- Therapy
- Rehabilitation
Lost Income Coverage
If you are no longer able to work because of your car accident injury, PIP will cover lost wages. The amount of coverage varies by policy, starting as low as $100 per week on a $15,000 per year policy to $5,200 per week. Regardless of your policy terms, the limits cannot exceed your normal income.
If you are unable to perform essential tasks due to your injury, PIP will provide payment. A total of $12 per day is allotted for tasks such as laundry, cleaning and lawn mowing.
Defending Your Injury Claim
Dr. Benn has testified hundreds of times via conference call, video deposition and live testimony. He testifies exclusively in defense of Atlas Chiropractic patients. Dr. Benn has the ability to educate a judge and/or jury by explaining in detail the type of injury and the severity of his patient’s trauma. Dr. Benn has many years of experience and expertise providing:
- Comprehensive discharge report summaries
- Narrative reports
- Certification of permanency
- Expert trial testimony
The treatment you deserve … the documentation you need
Request an appointment with Atlas Chiropractic and let us help you get back to your active, pain-free lifestyle.