Because New Jersey is a no-fault state, medical bills for car accident victims are covered, no matter who caused the accident. This system, known as personal injury protection (PIP), has its drawbacks. No-fault laws may affect compensation in some cases by limiting limit the victim’s right to sue negligent drivers for pain and suffering, inconvenience, and emotional distress.nnHowever, when victims’ injuries meet a given threshold of severity or disability, they may be entitled to seek additional compensation. A lawyer who understands the complexities of the New Jersey auto claims process can provide professional counsel regarding the potential value of personal injury claims.