Badge - Rated by Super Lawyers Victor A. Rotolo
Badge - Rated by Super Lawyers Anthony P. Kearns third
Badge - Million Dollar Advocates Forum
Badge - Multi Million Dollar Advocates Forums
Badge - New Jersey Supreme Court Certified Attorney
Badge - New Jersey's Best Lawyers For Families 2018
Badge - AV Preeminent Victor A. Rotolo 2024
Badge - Client Champion Gold 2024
Badge - Hunterdon County Chamber of Commerce
Badge - Top 100 The National Trial Lawyers
Please click Award & Selection Criteria & Methodology for information regarding the specific criteria used for selection of each of the above awards.

April 2018 - Understanding PIP (a.k.a. ‘No-Fault’) Insurance

Insurance Claim Form Because many people have questions about Personal Injury Protection (PIP) Insurance, a.k.a. “no-fault” insurance, we thought we’d address some of them here.

What is PIP insurance? PIP covers medical and related expenses incurred from injuries sustained in a motor vehicle accident regardless of who was responsible for the accident. Eligible claims include medical and rehabilitative treatments, lost wages, essential services you can no longer perform due to injury, funeral expenses, and death benefits.

Am I required to carry PIP insurance? New Jersey, as a no-fault state, requires all drivers to carry PIP coverage as part of their automobile insurance.

How much coverage do I need? In New Jersey you need a minimum of $15,000 in PIP coverage; options allow for additional coverage up to $250,000.

Can I use my healthcare insurance instead? Some healthcare policies exclude accident-related injuries or provide lower payouts for these claims. If your policy allows, you may claim medical expenses against your healthcare insurance and other related expenses (i.e., lost wages, essential services reimbursements) against your PIP insurance. Compare the lifetime benefit limits, deductibles and co-pays of each policy when deciding. Health care deductibles can be higher, but PIP coverage is capped at the level you chose at the time of purchase.

Other Important PIP Facts:
  • For treatments outside of a hospital, a Commencement of Treatment notice must be filed within 21 days of your initial visit or you risk receiving lower payouts.
  • PIP doesn’t preclude your right to sue. Select Full Tort (Unlimited Right to Sue), which allows you to sue for medical expenses and pain and suffering, or Limited Tort (Limited Right to Sue), which allows you to sue for medical expenses only. Full Tort rights carry significantly higher premiums.
  • Your PIP deductible is a per-incident, out-of-pocket amount specified in your policy.
  • Your PIP co-pay is equal to 20% of covered medical expenses up to the first $5,000; expenses exceeding this threshold up to your policy limit are covered by insurance.

When selecting your PIP coverage, review the terms of all your policies to make the best choice for your specific situation.

What Our Clients are Saying

I was very proud to be represented by Tony and felt secure at a time I needed a compass to head out of a difficult bind. Confidence in your counsel and a sense of security in understanding how best to proceed are important reasons to consider Anthony Kearns and his team of outstanding lawyers.

- Lynn

Tony was excellent! He was knowledgeable, responsive and on-time. His experience as a County Prosecutor definitely helped our case as he knows how the legal system works and how to navigate. I highly recommend Tony and his office.

- Matt

Thankfully I found Kearns Rotolo Law and I had a wonderful experience working with Charles Rifici on a difficult divorce/child custody issue. I am so grateful for all the work and guidance he provided. He always took his time and diligently went through all my options with me so I could make the decisions that benefitted my family and I. I will be forever thankful for the top notch services he provided.

- Cinthya

In March of 2022 I contacted Kearns Rotolo Law Firm with an urgent problem, Mr. Kearns and Mr. Rotolo contacted me immediately to give me hope as to rectify my problem. The end result was Mr Kearns was able to solve my issue through extreme professionalism, I am very grateful I found Kearns Rotolo Law firm and I would recommend their law firm to anyone that has a less extreme problem or a more complex problem, I am very grateful for their services.

- Bill

I met with Mr. Kearns yesterday about a devastating situation affecting our family. Mr. Kearns and his entire staff made us feel extremely comfortable and showed our family a compassionate side that gave us comfort in the most uncomfortable of situations. Thank you very much. God Bless.

- Christian