state auto insurance

Personal Injury Protection (PIP) coverage is required

The coverage that is purchased in a no-fault state is called Personal Injury Protection, or PIP. The amount and type of PIP coverage varies considerably by state. In general, a policyholder in a no-fault state would be reimbursed for medical expenses, loss of wages and other injury-related expenses, and they are usually not allowed to sue for additional money from the person who caused the incident. Other insured drivers who are injured while in your car may be covered by their own policy or by your policy, depending on state laws.

Twenty-four states, including the District of Columbia, have laws that allow policyholders to obtain payment for auto accidents from their own insurers. Of these, the 12 states listed below are considered true "no-fault states" because the insurance laws limit when policyholders may sue the person who caused the accident. The guidelines for suing are either based on a "monetary threshold" which means that the expenses exceed a certain dollar amount or a "verbal threshold" which permits a lawsuit when the injuries result in death, permanent disability or disfigurement. Additionally, some states allow drivers to seek payment for "non-economic losses" such as pain and suffering. States that are considered true no-fault states include Hawaii, Florida, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.
Buying Liability coverage is also an option.

Car Insurance New Jersey- http://www.localinsuresearch.com/state/new-jersey-auto-insurance.php


Geogia auto insurance- http://www.localinsuresearch.com/state/georgia-auto-insurance.php