AUTO INSURANCE SHELL GAME
What you need to know about NJ auto Insurance.
PERSONAL INJURY PROTECTION
This is your medical coverage for injuries you (and others) suffer in an auto accident. PIP pays if you or other persons covered under your policy are injured in an auto accident. It is sometimes called “no-fault” coverage because it pays your own medical expenses no matter who caused the auto accident.
PIP has two parts — (1) coverage for the cost of treatment you receive from hospitals, doctors and other medical providers and any medical equipment that may be needed to treat your injuries and (2) reimbursement for certain other expenses you may have because you are hurt, such as lost wages and the need to hire someone to take care of your home or family.
This coverage pays others for damages (Bodily Injury & Property Damage) from an auto accident that you cause. It also pays for a lawyer to defend you if you are sued for damages that you cause. Bodily injury pays for claims and lawsuits by people who are injured or die as a result of an auto accident you cause. It compensates others for pain, suffering and economic damages, such as lost wages. Property damage liability pays for claims and lawsuits by people whose property is damaged as a result of an auto accident you cause.
We suggest single limit liability coverage based upon your assets.