Personal injury protection and no fault insurance are one in the same. In certain states within the U.S., it may be called personal injury protection or no-fault insurance.
In New Jersey - personal injury protection helps individuals that have suffered injuries cover the costs of medical bills associated with the accident. In the event that an individual is riding in a vehicle of a policy holder, and is injured in an accident in the policy holder’s car, the individual injured in the passenger seat will be able to have their medical bills covered by the driver’s personal injury protection plan.
New Jersey requires no fault insurance to be purchased by all drivers in the Garden State. Regardless of fault of the accident, no-fault insurance will pay for medical expenses regardless of fault.