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NJ Car Insurance: Health Insurance Primary Option - Just Say No!

Check your New Jersey car insurance policy. New Jersey is a No-Fault state. This means when you get injured in an accident involving an automobile, your own car insurance pays your medical bills, regardless of fault for the accident. You want to be sure you have Personal Injury Protection (PIP) of $250,000. This is the maximum of medical bills that your auto insurance will pay for an accident. This used to be the standard coverage in New Jersey for all policies. But a few years ago insurance companies began offering people the option to reduce their coverage. Some people choose a "basic" policy with only $15,000 in coverage. That is not sufficient coverage for anyone.

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