Personal Injury Protection in New Jersey

After an accident, you are probably not in the mood for investigating the complex world of insurance coverage. Your head and heart have other priorities at the moment. We are not going to lie to you, we are not much into legal matters. However, there is a good reason why personal injury protection (PIP) is mandatory here in New Jersey. Gives you assistance with coverage for medical expenses and other costs related to your injury recovery, regardless of who is at fault. At Genesis Orthopaedic and Spine, we will help you understand how personal injury protection (PIP) works for orthopaedic patients, as musculoskeletal injuries often require extensive, specialised treatment. This is how we advise and guide you through the process. 

For specialised care, turn to the experts at Genesis Orthopaedic and Spine in New Jersey, serving Middletown, Ridgewood, Westfield, West Orange, Morristown, and surrounding areas such as Belford, Holmdel, Fair Lawn, Midland Park, Clark, Mountainside, Livingston, Millburn, Madison, and Florham Park. Our team focuses on nonsurgical and minimally invasive treatments, helping you find relief from your pain and get back to your daily activities without unnecessary interventions.

For appointments, call us or book online at any of our convenient locations in Middletown, Morristown, Ridgewood, Westfield, and West Orange.

What is Personal Injury Protection (PIP)?

Personal Injury Protection (PIP) coverage is a type of auto insurance coverage that pays for medical expenses, lost wages, and other benefits regardless of who is at fault for the accident.

Unlike traditional health insurance, PIP was designed to provide immediate coverage for accident-related injuries, eliminating the common delays in determining fault.

New Jersey requires all drivers to carry PIP coverage, with a minimum of 15.000$ in benefits. Personal Injury Protection (PIP) coverage extends far beyond basic medical bills, covering: 

  • Medical Expenses
  • Rehabilitation Services
  • Lost Wages
  • Essential Services

When Does Personal Injury Protection (PIP) Apply?

Personal Injury Protection (PIP) applies mainly to injuries caused by motor vehicle accidents. When PIP coverage is activated, it will cover:

  • You as The Driver of the Vehicle.
  • Passengers in Your Vehicle at The Time of The Accident.
  • Family Members Covered Under Your Policy.
  • You as Passenger in Someone Else’s Vehicle (Your Own PIP May Apply).

It will also cover you in situations where you are the pedestrian, such as:

  • If You’re Struck by a Vehicle While Walking.
  • If You’re Injured While Getting In or Out of a Vehicle.
  • You’re a Bicyclist Struck by a Motor Vehicle.

What to Expect When You Visit Us After an Accident?

At Genesis Orthopaedic and Spine, we understand how challenging it can be to go through a tough time after an accident. The priority is to focus on your healing and getting back to feeling at your best. If you’re unsure about what you need or which paperwork is necessary to utilise your personal injury protection coverage in New Jersey, know that we’re here to support you with all your questions and concerns.