I was injured by a drunk driver. Do I still have to file a claim on my PIP policy?
Yes. New Jersey law requires that all drivers who register their vehicles in the state obtain a personal injury protection (PIP) policy. This is a form of no-fault insurance that is intended to provide compensation for medical and other out-of-pocket expenses that were caused by the accident, regardless of who is at fault. If your expenses exceed the limit of your PIP policy, then you may have also have the right to file a personal injury lawsuit for those additional expenses. In addition, depending upon the auto insurance options you selected when you purchased your policy, you may also have the legal right to pursue legal action for pain and suffering damages, as well.