Yes, if your insurer denies your PIP benefits, you may bring a suit against them. Be aware, however, that you may be expected to pay for certain legal fees even if you win. Cirelli v. Ohio Casualty Insurance allows a court to award payment of attorney’s fees in order to not discourage bringing appropriate small claims against insurers to court. However, Velli v. Rutgers Cas. Inc. is a case where the Supreme Court of New Jersey overturned an award of fees relating to the cost of expert trial testimony, as the statutes relating to PIP benefits were found to not support compensation for expert testimony.