Badge - Rated by Super Lawyers Victor A. Rotolo
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 - Rated by Super Lawyers
Badge - AV Preeminent Victor A. Rotolo
Badge - Client Champion Gold 2020
Badge - Hunterdon County Chamber of Commerce
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

The absolute BEST!!! I have a family of attorneys but needed someone local. Victor was recommended to me and words cannot describe how pleased I was with his firm. The outstanding service and attention each member of his staff gave to me surpassed any and all expectations. Victor surrounds himself with a hardworking team that he leads. I felt it was money spent wisely. I will continue to recommend Victor and his associates.

- Stephanie

Mr. Rotolo has helped me numerous times in legal matters and has continued to support and help me through countless hardships. He is dedicated to providing the best service and is a true professional. I will continue to consult with him regarding any legal issues in the future. He is a respectable, hardworking, kind hearted man and I would recommend his legal services to anyone.

- Matthew

I am an attorney and have practiced law for 26 years. I hired Vic to handle a very difficult family matter because I do not handle family law. Vic was extremely competent and obtained a result far beyond my expectations. Without his counsel my son's and family's life would have been changed forever. Thank you Vic for your good lawyering. I very much appreciate the personal attention and time dedicated to this matter. I highly recommend Vic.

- Anthony

We recently had a situation where we needed to hire an attorney. We selected Kearns Rotolo Law and I can honestly say that we were above and beyond satisfied with Vic and his team. We would absolutely recommend this firm to anyone should the need arise. We blindly picked the firm out of the phone book because I liked his ad. Now I believe that God was pointing us in the right direction. Thank you Vic and Kearns Rotolo Law for being there for us in our time of need.

- Kim

Victor's expertise, due diligence, and empathy for his client made my first experience with the law (and last) a non-stressful one. Before the case, I did my research and looked over about 20 lawyers before choosing Victor. All my sources pointed to him as the best and they weren't off even a bit. Victor treated my case like it was his own and kept me up to date with all my appointments, breakthroughs in the case, and guided me step through step in a process that I never thought that I had to come to endure. If Victor's not available Susy will go out of her way to take care you. The productivity and efficiency in that office is second to none. Thank you Victor!

- Michael