Car Accident Medical Costs in New Jersey
New Jersey is a choice state. PIP insurance is required with a minimum of $15,000. Minimum bodily injury limits are $35K / $70K.
Choice System in New Jersey
New Jersey is a choice state. Drivers can choose between no-fault coverage (with PIP and restricted lawsuit rights) and traditional tort coverage (with full ability to sue for pain and suffering). Your choice affects both your premiums and your legal options after a crash.
Your options in New Jersey:
If you chose No-Fault:
- PIP pays your medical bills first
- Lower premiums
- Restricted ability to sue for pain/suffering
If you chose Tort:
- Full ability to sue at-fault driver
- Can recover pain and suffering
- Higher premiums
New Jersey Auto Insurance Requirements
| Bodily Injury (per person) | $35,000 |
| Bodily Injury (per accident) | $70,000 |
| Property Damage | $25,000 |
| PIP Required? | Yes — minimum $15,000 |
| UM/UIM Required? | Yes |
| MedPay Required? | No (optional) |
| Average Annual Premium | $2,580/year ($215/month) |
| Uninsured Motorist Rate | 14.9% (national avg: 15.4%) |
Note: Choice state. BI minimums increased to 35/70 effective Jan 1, 2026
After a Car Accident in New Jersey
1. Seek medical attention immediately
Even if injuries seem minor, get evaluated. Many car accident injuries (whiplash, concussions, internal bleeding) have delayed symptoms. An ER visit (CPT 99285) averages $608 at Medicare rates but may cost $1,500-$3,000+ through commercial insurance.
2. File insurance claims
In New Jersey, file a PIP claim with your own insurer first. PIP covers up to $15,000 regardless of fault.
3. Document everything
Keep all medical bills, records, and correspondence. Medical costs are the foundation of your injury claim. Use our cost estimator to verify if your bills are reasonable.
4. Consider legal representation
An attorney can help negotiate medical liens (often reducing them 30-50%), handle insurance negotiations, and ensure you receive full compensation. Average settlements are 4.4x higher with attorney representation.
Medical Procedure Costs in New Jersey
Medical costs in New Jersey are adjusted by CMS Geographic Practice Cost Indices (GPCI). View Medicare and estimated commercial rates for common car accident procedures in New Jersey.
View New Jersey Medical Procedure Costs →New Jersey Insurance Department
For official information about auto insurance requirements and consumer complaints in New Jersey:
New Jersey DOBI