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There is a time limit on injury claims in New Jersey, and the insurance company knows exactly when it runs out. Answer five questions and we will connect you, free, with an independent attorney licensed in New Jersey.
Limited
Time to file most injury claims in New Jersey. Miss it and the claim is gone
Shorter
Government vehicle and public entity claims run on their own, tighter clock
Varies
Coverage carried by the at-fault driver is often well below the real cost
Modified
New Jersey follows modified comparative negligence with a 51% bar
This page describes New Jersey law in general terms only. It is not legal advice, deadlines and rules change, and exceptions apply. Confirm anything affecting your own claim with an attorney licensed in New Jersey.
New Jersey drivers choose between the limited right to sue and the unlimited right when they buy a policy. The limited option is the default on many cheaper policies and restricts claims for pain and suffering unless the injury falls into specific categories.
The state is a no-fault jurisdiction: your own personal injury protection pays medical expenses regardless of who caused the crash. New Jersey also applies modified comparative negligence with a 51% bar, and sets minimum coverage at 25/50/25.
Claims against a public entity require notice very quickly under the Tort Claims Act —one of the shortest windows in the country, and easy to miss while you are still recovering.
The verbal threshold, as the limited right to sue is often called, has defined exceptions: death, dismemberment, significant disfigurement, displaced fracture, loss of a foetus, or a permanent injury. Whether an injury qualifies is argued with medical evidence rather than assumed either way.
Traffic density is extreme. The New Jersey Turnpike, the Garden State Parkway and the approaches to the Lincoln and Holland tunnels produce high-volume collisions, and Essex, Hudson and Bergen County practice differs from the southern counties in both pace and valuation.
A great deal of New Jersey traffic is interstate. Collisions routinely involve New York or Pennsylvania drivers and out-of-state policies, which raises questions about which state’s rules govern the claim before anyone reaches the injury itself.
Each one is common, and each one is avoidable.
It restricts pain and suffering claims only, and only where the injury does not fall within the listed exceptions. Medical bills and lost earnings are unaffected. People write off valid claims because of a policy choice they do not remember making.
A collision with a NJ Transit bus, a municipal vehicle or a county truck requires notice almost immediately. The ordinary deadline is irrelevant if that notice never went out.
With so much cross-border traffic, a New Jersey resident hit by a New York driver may face genuine questions about governing law and applicable coverage. Getting that wrong early shapes everything that follows.
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A firm deadline for most injury claims, and a very short one for notice against a public entity. The shorter one governs whenever a government vehicle is involved.
We match you with an attorney licensed in New Jersey who handles your collision type and know show the verbal threshold is argued in your county.
Your PIP carrier and the at-fault driver’s insurer both go through your attorney — in a no-fault state those are separate conversations with different interests.
Valuation waits for the medical record, which is also what determines whether a limited right to sue policy blocks a pain and suffering claim.
Fault is contested under the 51% bar, and cross-border coverage questions are resolved early rather than late.
Most New Jersey accident attorneys work on contingency. Our service costs you nothing.
We match you with someone licensed in New Jersey who works your area.
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New Jersey sets a firm deadline running from the date of the accident, and a separate, considerably shorter one where a government vehicle or public entity is involved. Both are strict, and missing either generally ends the claim no matter how strong it was. An attorney can confirm which applies to your situation before anything expires.
New Jersey follows modified comparative negligence with a 51% bar. Your recovery is reduced by your share of the blame, and disappears entirely once you are more than 50% responsible. That threshold is exactly why the other side’s adjuster works so hard to establish your share early.
Yes for medical expenses and lost earnings, which the verbal threshold does not restrict. For pain and suffering you generally need an injury within the statutory categories — including displaced fracture, significant disfigurement or permanent injury. Whether yours qualifies isa medical question worth asking.
It is common in New Jersey and it raises questions about which state’s rules apply and which policy responds. It does not prevent a claim, but it does make early advice more useful than usual.
Possibly. Uninsured and underinsured motorist coverage on your own policy may apply, including in hit-and-run cases where the driver was never identified. Many people do not realise they carry it.
Our service is free to you — attorneys pay us for the connection. Most New Jersey accident attorneys work on contingency, so their fee comes from any recovery rather than from you upfront. Confirm the arrangement directly before signing anything.
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ClaimMVA Now is a free matching service, not a law firm.