Automobile No Fault Claims

New Jersey No Fault Lawyers

Once someone realizes that they were injured in a car accident, they are bound to wonder who is going to pay for the medical treatment. The basic answer that your own insurance carier will pay the doctors to treat your injuries (or the insurance company that insures the vehicle, if you don’t personally have any auto insurance). This is what is covered under the No Fault or PIP portion of the insurance policy. It is called “No Fault” because the law says that the insurance company must quickly pay for the medical bills, regardless of who is at fault for the car accident. But unfortunately people may be faced with insurance carriers who do not want to pay for treatment, and you will then have to proceed forward with enforcing your No Fault Insurance claim.

A very important thing to remember is that there are many laws and rules involved in No Fault claims. The most basic rule is that you absolutely MUST notify the insurance company right away that you were hurt in an auto collision. This is NOT the time to worry about whether your insurance rates will increase (as an aside, your insurance rates generally will only increase if you are at fault for a car accident). The State of New Jersey Department of Banking and Insurance has a handy list of the phone numbers for all of the insurance companies licensed to do business in New Jersey – you should call the insurance company at that number to report you PIP claim, and make sure to write down the PIP claim number and the name of the adjuster assigned to the file.

Even when claims are properly reported and the doctors follow all of the rules involved, PIP carriers may decline coverage. For example, they may send you for an “independent” medical examination , and the doctor hired by the insurance company may report that a surgery or procedure, which YOUR DOCTOR prescribed, is not necessary, or designed to treat some condition that is not related to the car accident. A situation like this could create a huge problem for someone seriously injured in an automobile accident – especially if there is no other way that the medical treatment could be paid for.

PIP/No Fault Lawyer Approach (Why Us?)

At Raff & Raff, we help people injured in car accidents make claims against the insurance companies for payment of much-needed medical care, and aggressively protect our clients’ rights. We do not believe that a victim should be left to “deal with the pain” when an insurance company refuses to pay for medical treatment following a car crash. Rather, we aggressively pursue our clients’ PIP/No-Fault claims so that they can get the much needed treatments that their doctors have prescribed.

PIP/No Fault Lawyer Free Consultation

If you have been injured in a car crash and would like to know whether you have a case against your insurance company for PIP/No Fault benefits, you should contact us for a FREE CONSULTATION with one of our attorneys. We have been protecting the rights of people injured in car accidents since 1922, and we are very experienced with automobile collision cases, especially in Passaic County, Bergen County, Essex County, Union County, and Hudson County, where our attorneys regularly appear in court and regularly interact with the lawyers for the insurance companies.

Remember, the insurance companies have teams of skilled attorneys who are aggressively representing their interests, and you should too.

Raff & Raff, LLP
Attorneys at Law
30 Church Street
Paterson, NJ 07505

Tel: (973) 742-1917
Fax: (973) 742-2454


Based in Paterson, New Jersey, Raff & Raff, LLP services clients in the communities of Bloomingdale, Clifton, Haledon, Hawthorne, Little Falls, Passaic, Paterson, Pompton Lakes, Prospect Park, Ringwood, Totowa, Wanaque, Wayne, West Milford, Woodland Park, Allendale, Alpine, Bergenfield, Bogota, Carlstadt, Cliffside Park, Closter, Cresskill, Demarest, Dumont, East Rutherford, Edgewater, Elmwood Park, Emerson, Englewood, Fair Lawn, Fort Lee, Franklin Lakes, Garfield, Glenn Rock, Hackensack, Hasbrouck Heights, Haworth, Hillsdale, Ho-Ho-Kus, Leonia, Little Ferry, Lodi, Lyndhurst, Mahwah, Maywood, Midland Park, Montvale, Moonachie, New Milford, North Arlington, Northvale, Norwood, Oakland, Old Tappan, Oradell, Palisades Park, Paramus, Park Ridge, Ramsey, Ridgefield, Ridgewood, River Edge, River Vale, Rochelle Park, Rockleigh, Rutherford, Saddle Brook, Saddle River, Teaneck, Tenafly, Teterboro, Waldwick, Wallington, Westwood, Wood-Ridge, Woodcliff Lake, Wyckoff, Belleville, Bloomfield, Caldwell, Cedar Grove, Orange, Essex Fells, Fairfield, Glen Ridge, Irvington, Livingston, Maplewood, Millburn, Montclair, Newark, North Caldwell, Nutley, Roseland, Verona, Bayonne, Jersey City, Hoboken, Union City, West New York, Guttenberg, Secaucus, Kearney, Harrison, North Bergen, Weehawken, Elizabeth, Linden, Plainsfield, Rahway, Union, Scotch Plains, Clark, Cranford, Hillside, Westfield, Roselle, and surrounding areas.