What is a no-fault car accident in New Jersey?

What Is the No-Fault Law? A no-fault law means that after a car accident, both drivers (and all injured parties) file claims and seek compensation from their own car insurance providers, regardless of fault . It is not necessary to prove fault or establish negligence to qualify for no-fault insurance benefits.

What is pip arbitration?

PIP arbitration is a legal process that allows doctors and medical providers to recoup their outstanding medical bills from automobile insurance companies . First, in order for Morch Law, LLC to file an arbitration, an assignment of benefits must be signed by the patient. Second, the invoices must be appealed.

Who pays for car damage in NJ?

So, in short, in a no-fault state like New Jersey, each driver involved in a crash would pay for their own medical bills, lost wages, and other accident-related bills regardless who is at fault by making a claim against their PIP . However, the at-fault motorist must still pay for the other party's vehicle repairs.

What happens if the person at fault in an accident has no insurance in NJ?

Provided you have a Standard Policy, your own insurance company may pay for damages to your vehicle caused by: any person or organization who did not have liability insurance at the time of the accident .

Why would an insurance claim go to arbitration?

One of the main reasons a claim goes to arbitration is when the insurer provides a lowball offer and refuses to negotiate . Some insurance firms include clauses in their policy contract that require arbitration when a dispute can't be resolved.

Does arbitration lead to settlement?

Arbitration is another route to settlement , but unlike the two options discussed above, where resolution is voluntary, it is typically binding. Arbitration is a private court. Like mediation, the parties must voluntarily agree to enter into arbitration; you cannot be forced into arbitration.

Is arbitration good or bad?

Arbitration tends to be less expensive than litigation because it typically involves fewer procedural hurdles and streamlined processes . Additionally, arbitration can be faster, often resolving disputes more quickly than court cases, which can drag on for years. Another advantage is confidentiality.

What is the concept of no-fault?

In a no-fault claim, the parties are not required to prove any party's blameworthiness to resolve the claim . In contrast, parties to a fault-based claim must prove a party was at fault to prevail on the claim.

What is a non reportable accident in New Jersey?

You do not have to report a minor car accident in New Jersey if no one was injured and there was minimal property damage . Section 4-130 of New Jersey Statutes Title 39 specifies that you must file a police report following a car accident if either of the following is true: Anyone involved in the accident was injured.

Had an accident not my fault?

If the accident wasn't your fault, you can use a credit hire company instead of making a claim through your insurance company . A credit hire company pays for the cost of you hiring a replacement vehicle while yours is being fixed, and pays for the cost of repairs.

How long does a not at fault accident stay on your record near New Jersey?

For example, in most cases, your state will keep a record of a car accident for three to five years . This is, in fact, the case for New Jersey, and drivers can access their driving records by accessing their Driver History Abstract on the MVC's website.

Forthright: New Jersey No-Fault (2024)

Rule 7 of the New Jersey No-Fault PIP Arbitration Rules requires that the claimant serve a copy of the Demand for Arbitration upon all named parties by electronic service as may be permitted by the party to be served, certified mail return receipt requested or by personal service.

Effective June 7, 2004, NJAC 11:3-5.6 (a) was amended to include the following: “Every insurer shall establish a single address where requests for dispute resolution shall be sent. Insurers shall notify the administrator of the address and any changes thereto. The administrator shall make the list of insurer addresses available to the user community on a web page and any other available means of communication”.

For purposes of serving Demands for Arbitration, the addresses below shall apply for each listed automobile insurance company.

21st Century
(Includes Colonial Penn Insurance Co., Applies to subsidiaries, affiliates, Formerly 21st Centrury/AIG Insurance)
National Document Center
P.O. Box 268995
Oklahoma City, OK 73126-8995
Preferred Service Method -
Email to: usw.nj.pip.litigation@farmersinsurance.com

AAA Mid-Atlantic Insurance Group
(Includes Keystone Insurance and Western United Insurance Company)
P.O. Box 24523
Oakland, CA 94623-1523
Preferred Service Method -
Email to: operationsadmininbox@csaa.com

ACE USA Claims
(Includes Insurance Company of North America (INA); Indemnity Insurance Company of North America;ACE American Insurance Company;Pacific Employers Insurance Company; Bankers Standard Insurance Company)
P.O. Box 4700
Chesapeake, VA 23327-4700

AIG Property Casualty Company
c/o AIG Claims, Inc. - Olathe Ops Center
P.O. Box 25588
Shawnee Mission, KS 66225

AIU Insurance Company
(See AIG Property Casualty Company)

Allstate New Jersey Insurance Company
Preferred Service Method -
email to: pipforthright@allstate.com
c/o Medlogix
300 American Metro Boulevard - Suite 220
Hamilton, NJ 08619

American Alternative Insurance Corporation
555 College Road East
Princeton, NJ 08543

American Bankers Insurance
11222 Quail Roost Drive
Miami, FL 33157

American Commerce Insurance Company

11 Gore Road
Webster, MA 01570

American Family Connect Property and Casualty Insurance Company
6000 American Parkway
Madison, WI 53783

American Home Assurance Company
(See AIG Property Casualty Company)

American Manufacturers Mutual Insurance Company
(See Kemper Auto and Home)

American Motorists Insurance Company
(See Kemper Auto and Home)

American Protection Insurance Company
(See Kemper Auto and Home)

Amica Insurance Company
PO Box 9690
Providence, RI 02940-9690

Arch Insurance Company
PO Box 542033
Omaha, NE 68154

ARI
P.O. Box 6935
Cleveland, OH 44101

Arrowpoint Capital Corp.
(formerly Royal & SunAlliance USA)
Attn: Julie Fortune
PO Box 1000
Charlotte, NC 28201

Atlanta Casualty Company

(See Infinity Insurance Co.)

Atlantic Employers Insurance Company
P.O. Box 4700
Chesapeake, VA 23327-4700

Atlantic Mutual Companies (NJ)
One Progress Point Parkway
O'Fallon, MO 63368
Attention: Chris Salamone

AutoOne Insurance
(See The Camden Fire Insurance Association)

Avis Budget Car Rental, LLC
Sedgwick Claims Management Services as TPA
P.O. Box 94696
Cleveland, Ohio 44101

Bristol West Insurance Company
P.O. Box 258807
Oklahoma City, OK 73125

California Casualty Management Company
Preferred Service Method -
Email to: myclaim@calcas.com
P.O. Box 39700
Colorado Springs, CO 80949

Camden Fire Insurance Association
(formerly Auto One Insurance)
155 Mineola Blvd.
Mineola, NY 11501

Cendant Car Rental Group
300 Center Pointe Drive
Virginia Beach, VA 23462-4415

Central Mutual Insurance Company
Attn: Susan Sylvester, Reg. Claim Manager
404 Wyman Street, Suite 360
Waltham, MA 02454

Chartis
Chartis Global Legal Division
175 Water Street, 18th Floor
New York, NY 10038

Chesterfield Services
Attn: Carol Holishouser
PO Box 610
Green, Ohio 44232

Chubb Group of Insurance Companies
P.O. Box 4700
Chesapeake, VA 23327-4700

Church Mutual Insurance Company
3000 Schuster Lane
P.O. Box 342
Merrill, WI 54452

Clarendon National Insurance Company
PO Box 6580
Saddle Brook, NJ 07663

Coach USA
(Includes Coach USA, Inc., Hudson Transit, Rockland Coaches, Community ONE Bus, Olympia Trails, Suburban Trails, Suburban Transit)
The CorporationTrust Company
820 Bear Tavern Road
West Trenton, NJ 08628

Forthright: New Jersey No-Fault (2024)

FAQs

What is a no-fault car accident in New Jersey? ›

How long does a not at fault accident stay on your record near New Jersey? ›

References