What Does PIP Insurance Cover in New Jersey?

PIP stands for Personal Injury Protection, and it’s a required part of every NJ auto insurance policy. It typically covers:

• Emergency medical treatment and ongoing care
  
  
• Surgical and hospital expenses
  
  
• Rehabilitation and physical therapy
  
  
• Some lost wages (if you're unable to work)
  
  
• Essential services (like household help if you're injured)
  
  
• Funeral expenses (in fatal cases)
  
  

PIP does not cover property damage, vehicle repairs, or pain and suffering. Those require a separate claim—often against the at-fault driver.



The default PIP limit in New Jersey is $15,000 per person, but higher coverage amounts are available (and often recommended).

When Can You Step Outside No-Fault Rules?

Even with PIP coverage, there are times when you can pursue a claim against the at-fault driver:



• If your injuries meet the “serious injury” threshold under the verbal limitation
  
  
• If you selected the no-threshold option in your policy
  
  
• If your medical bills exceed your PIP limits
  
  
• If you’re seeking compensation for pain and suffering, emotional distress, or property damage (these aren’t covered by PIP)
  
  

Knowing when you can “step outside” the no-fault system is key. That’s where we come in—our attorneys will evaluate your injuries and advise you on your rights.

Problems with PIP Claims? You’re Not Alone

Although PIP is supposed to be automatic, insurance companies don’t always make it easy. We regularly hear from clients who face:



• Delayed payments or unexplained denials
  
  
• Disputes over whether treatment is “medically necessary”
  
  
• Requirements to attend independent medical exams (IMEs)—often used to cut off care
  
  
• Confusion about billing, especially if multiple providers are involved
  
  

We assist with PIP arbitration, appeals, and any step of the process when your insurer refuses to pay what’s owed.

How PIP Coordinates with Health Insurance

Sometimes health insurance may cover costs once PIP benefits are exhausted. Some NJ policies also designate health insurance as primary, which affects how claims are handled.

Our team will review your auto and health insurance policies to determine what coverage applies—and how to avoid surprise medical bills.