Your Rights After an Accident in New Jersey

New Jersey uses a no fault insurance system that can be confusing for drivers after an accident.

This page explains your core rights after a crash in New Jersey, how insurance claims are handled, and what you should understand before repair decisions are made.

New Jersey Is a No Fault Insurance State

New Jersey follows a no fault auto insurance system. In most cases, your own insurance policy pays for vehicle damage regardless of who caused the accident.

Even under no fault rules, insurers must still handle claims fairly and properly pay for covered repairs.

You Have the Right to Choose the Repair Shop

In New Jersey, you are not required to use an insurance preferred repair shop. The decision of where your vehicle is repaired belongs to you.

Choosing your own repair facility does not cancel coverage or reduce your right to proper repairs.

Insurance Cannot Pressure Your Repair Decision

Insurers may recommend certain repair shops, but they cannot force you to use them or misrepresent your rights to influence your decision.

Statements suggesting repairs will be delayed, lower quality, or not covered because of your shop choice reflect insurer preferences, not legal requirements.

What Insurers Are Expected to Do During the Claim

New Jersey insurers are expected to investigate claims promptly, communicate clearly, and explain what is covered under the policy.

If an insurer denies part of a claim or requests more information, it should clearly explain the reason for that decision.

Initial Estimates Are Often Incomplete

Initial insurance estimates are commonly written to move the claim forward, not to identify every repair operation required.

Missing procedures, inspections, and safety related steps are especially common on photo based estimates.

Safety Systems Must Be Considered

Modern vehicles rely on cameras, sensors, radar, and advanced driver assistance systems to operate safely.

These systems can be affected by even minor accidents and may not display warning lights when calibration is required.

Need Help Reviewing a New Jersey Estimate

EstiVerify reviews insurance estimates for missing repairs, underwritten procedures, and safety related items before repairs begin.

Related topics: New Jersey Total Loss | New Jersey Diminished Value