{"id":1569,"date":"2025-08-22T09:17:41","date_gmt":"2025-08-22T16:17:41","guid":{"rendered":"https:\/\/www.njnylawyers.com\/?p=1569"},"modified":"2025-11-18T07:17:59","modified_gmt":"2025-11-18T14:17:59","slug":"new-jersey-no-fault-laws","status":"publish","type":"post","link":"https:\/\/www.njnylawyers.com\/zh\/blog\/new-jersey-no-fault-laws\/","title":{"rendered":"\u65b0\u6cfd\u897f\u5dde\u65e0\u8fc7\u9519\u6cd5\u5f8b"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u66fe\u5728 <a href=\"https:\/\/www.njnylawyers.com\/zh\/new-jersey-car-accident-lawyers\/\">\u65b0\u6cfd\u897f\u5dde\u8f66\u7978<\/a>, \uff0c\u4f60\u53ef\u80fd\u9996\u5148\u4f1a\u95ee\u7684\u95ee\u9898\u4e4b\u4e00\u662f\uff1a\u201c\u65b0\u6cfd\u897f\u662f\u65e0\u8fc7\u9519\u5dde\u5417\uff1f\u201d\u7b54\u6848\u662f\u80af\u5b9a\u7684\u3002\u4f46\u662f\uff0c\u8fd9\u5bf9\u4f60\u7684\u5408\u6cd5\u6743\u76ca\u610f\u5473\u7740\u4ec0\u4e48\uff0c, <a href=\"https:\/\/www.njnylawyers.com\/zh\/blog\/how-medical-bills-are-paid-after-a-car-accident-in-new-jersey\/\">\u533b\u7597\u8d39<\/a>, \uff0c\u6f5c\u5728\u7684\u8865\u507f\u4e5f\u53ef\u80fd\u4ee4\u4eba\u56f0\u60d1\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728 Glugeth &amp; Pierguidi, P.C.\uff0c\u6211\u4eec\u6bcf\u5929\u90fd\u4f1a\u4e0e\u9047\u5230\u8fd9\u79cd\u60c5\u51b5\u7684\u8f66\u7978\u53d7\u5bb3\u8005\u4ea4\u8c08\u3002\u5982\u679c\u60a8\u60f3\u4e86\u89e3\u65b0\u6cfd\u897f\u5dde\u7684\u65e0\u8fc7\u9519\u4fdd\u9669\u6cd5\u5982\u4f55\u5f71\u54cd\u60a8\u7684\u4f24\u6b8b\u7d22\u8d54\uff0c\u60a8\u5e76\u4e0d\u5b64\u5355\u3002\u672c\u6587\u5c06\u5411\u60a8\u4ecb\u7ecd\u65e0\u8fc7\u9519\u7684\u542b\u4e49\u3001\u5b83\u5982\u4f55\u5f71\u54cd\u60a8\u7684\u8d77\u8bc9\u80fd\u529b\uff0c\u4ee5\u53ca\u5982\u679c\u60a8\u53d7\u5230\u91cd\u4f24\u53ef\u4ee5\u91c7\u53d6\u54ea\u4e9b\u63aa\u65bd\u3002.<\/p>\n\n\n\n\n\n<p class=\"has-text-align-center has-white-color has-black-background-color has-text-color has-background has-link-color has-medium-font-size wp-elements-bf045dd42a5c2346754d317795bf6abd wp-block-paragraph\"><strong>\u4e86\u89e3\u65e0\u8fc7\u9519\u6cd5\u5982\u4f55\u5f71\u54cd\u60a8\u7684\u7d22\u8d54<br><\/strong>We can help you navigate New Jersey&#8217;s no-fault laws following an accident, ensuring you are able to hold the right party responsible and recover the compensation you deserve.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50\"><a class=\"wp-block-button__link has-white-color has-black-background-color has-text-color has-background has-link-color has-text-align-center wp-element-button\" href=\"https:\/\/www.njnylawyers.com\/zh\/contact\/\"><strong>\u514d\u8d39\u54a8\u8be2<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ec0\u4e48\u662f\u65e0\u8fc7\u9519\u4fdd\u9669\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8ba9\u6211\u4eec\u4ece\u57fa\u7840\u5f00\u59cb\uff1a\u65e0\u8fc7\u9519\u4fdd\u9669\u662f\u4ec0\u4e48\u610f\u601d\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u65e0\u8fc7\u9519\u8d23\u4efb\u4f53\u7cfb\u4e2d\uff0c\u65e0\u8bba\u4e8b\u6545\u7531\u8c01\u9020\u6210\uff0c\u60a8\u81ea\u5df1\u7684\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\u90fd\u4f1a\u652f\u4ed8\u60a8\u7684\u533b\u7597\u8d39\u7528\u548c\u5176\u4ed6\u4e00\u4e9b\u7ecf\u6d4e\u635f\u5931\u3002\u8fd9\u4e9b\u798f\u5229\u88ab\u79f0\u4e3a<a href=\"https:\/\/lis.njleg.state.nj.us\/nxt\/gateway.dll\/statutes\/1\/32312\/33696?f=templates$fn=document-frameset.htm$q=%5Brank,100%3A%5Bdomain%3A%5Band%3A39%3A6A-4%20Personal%20injury%20protection%20coverage,%20regardless%20of%20fault.%5D%5D%20%5Bsum%3A39%3A6A-4%20Personal%20injury%20protection%20coverage,%20regardless%20of%20fault.%5D%20%5D%20$x=server$3.0#LPHit1\" target=\"_blank\" rel=\"noreferrer noopener\"> \u4e2a\u4eba\u4f24\u5bb3\u9632\u62a4<\/a> \uff08\u5efa\u8bae\uff09\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u65e0\u8fc7\u9519\u4fdd\u9669\u65e8\u5728\u7b80\u5316\u8f7b\u4f24\u7d22\u8d54\u6d41\u7a0b\u3002\u5b83\u907f\u514d\u4e86\u7acb\u5373\u63d0\u8d77\u8bc9\u8bbc\u7684\u9700\u8981\uff0c\u5e76\u6709\u52a9\u4e8e\u53d7\u4f24\u7684\u9a7e\u9a76\u5458\u3001\u4e58\u5ba2\u751a\u81f3\u884c\u4eba\u66f4\u5feb\u5730\u83b7\u5f97\u533b\u7597\u62a4\u7406\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7136\u800c\uff0c\u65e0\u8fc7\u9519\u8d23\u4efb\u4fdd\u9669\u5236\u5ea6\u4e5f\u6709\u5176\u5c40\u9650\u6027\uff0c\u4e86\u89e3\u8fd9\u4e9b\u5c40\u9650\u6027\u662f\u4fdd\u62a4\u60a8\u6743\u5229\u7684\u5173\u952e\u3002.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/08\/New-Jersey-No-Fault-Laws-min.jpg\" alt=\"\" class=\"wp-image-1570\" style=\"width:818px;height:auto\" srcset=\"https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/08\/New-Jersey-No-Fault-Laws-min.jpg 1000w, https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/08\/New-Jersey-No-Fault-Laws-min-500x334.jpg 500w, https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/08\/New-Jersey-No-Fault-Laws-min-768x512.jpg 768w, https:\/\/www.njnylawyers.com\/wp-content\/uploads\/2025\/08\/New-Jersey-No-Fault-Laws-min-18x12.jpg 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u65b0\u6cfd\u897f\u5dde\u65e0\u8fc7\u9519\u4fdd\u9669\u5982\u4f55\u8fd0\u4f5c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u65b0\u6cfd\u897f\u5dde\u662f\u5c11\u6570\u51e0\u4e2a\u91c7\u7528\u9009\u62e9\u6027\u65e0\u8fc7\u9519\u5236\u5ea6\u7684\u5dde\u4e4b\u4e00\uff0c\u8fd9\u610f\u5473\u7740\u9a7e\u9a76\u5458\u5728\u9009\u62e9\u4fdd\u9669\u65f6\u6709\u591a\u79cd\u9009\u62e9\u3002\u7136\u800c\uff0c\u6240\u6709\u4fdd\u5355\u90fd\u5305\u542b\u5f3a\u5236\u6027\u7684\u4e2a\u4eba\u4e8b\u6545\u4fdd\u9669\uff08PIP\uff09\u90e8\u5206\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u5e38\u662f\u8fd9\u6837\u5de5\u4f5c\u7684\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e8b\u6545\u53d1\u751f\u540e\uff0c\u5373\u4f7f\u662f\u5bf9\u65b9\u53f8\u673a\u5168\u8d23\uff0c\u60a8\u4e5f\u53ef\u4ee5\u5411\u81ea\u5df1\u7684\u4fdd\u9669\u516c\u53f8\u7533\u8bf7\u8d54\u4ed8\u533b\u7597\u8d39\u7528\uff1b;<\/li>\n\n\n\n<li>\u60a8\u7684PIP\u798f\u5229\u53ef\u652f\u4ed8\u533b\u7597\u3001\u5eb7\u590d\u8d39\u7528\uff0c\u6709\u65f6\u8fd8\u5305\u62ec\u8bef\u5de5\u8d39\u4ee5\u53ca\u5bb6\u5ead\u5e2e\u4f63\u7b49\u5fc5\u9700\u670d\u52a1\uff1b\u5e76\u4e14<\/li>\n\n\n\n<li>\u60a8\u8d77\u8bc9\u8087\u4e8b\u53f8\u673a\u7684\u80fd\u529b\u53d6\u51b3\u4e8e\u60a8\u9009\u62e9\u7684\u4fdd\u9669\u7c7b\u578b\u4ee5\u53ca\u4f24\u52bf\u7684\u4e25\u91cd\u7a0b\u5ea6\u3002.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u4e00\u4e2a\u8bd5\u56fe\u5728\u4fbf\u5229\u4e0e\u63a7\u5236\u4e4b\u95f4\u53d6\u5f97\u5e73\u8861\u7684\u7cfb\u7edf\uff0c\u4f46\u5f53\u4f24\u52bf\u4e25\u91cd\u6216\u957f\u671f\u65f6\uff0c\u5b83\u4f1a\u5f88\u5feb\u53d8\u5f97\u590d\u6742\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ec0\u4e48\u60c5\u51b5\u4e0b\u7b26\u5408\u4e2a\u4eba\u6295\u8d44\u8ba1\u5212(PIP)\u7684\u62a5\u9500\u8303\u56f4\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u60a8\u7684\u4e2a\u4eba\u4f24\u5bb3\u514d\u8d54\uff08PIP\uff09\u798f\u5229\u901a\u5e38\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u533b\u751f\u5c31\u8bca\u548c\u4f4f\u9662\u6cbb\u7597,<\/li>\n\n\n\n<li>\u7269\u7406\u6cbb\u7597\u4e0e\u5eb7\u590d,<\/li>\n\n\n\n<li>\u8bca\u65ad\u6027\u68c0\u67e5\uff08\u5982\u6838\u78c1\u5171\u632f\u6216X\u5c04\u7ebf\uff09\uff0c,<\/li>\n\n\n\n<li>\u624b\u672f\u64cd\u4f5c\uff0c,<\/li>\n\n\n\n<li>\u5904\u65b9\u836f\u3001,<\/li>\n\n\n\n<li>\u6536\u5165\u635f\u5931\uff08\u6700\u9ad8\u9650\u989d\uff09\uff0c\u4ee5\u53ca<\/li>\n\n\n\n<li>\u81f4\u547d\u4e8b\u6545\u7684\u4e27\u846c\u8d39\u7528\u3002.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">pip \u5b89\u88c5 <em>\u4e0d<\/em> \u8d54\u4ed8\u8d22\u4ea7\u635f\u5931\u3002\u4e3a\u6b64\uff0c\u60a8\u9700\u8981\u8d2d\u4e70\u78b0\u649e\u9669\u6216\u7efc\u5408\u9669\u3002\u6216\u8005\uff0c\u60a8\u53ef\u4ee5\u5411\u6709\u8d23\u53f8\u673a\u7684\u8d22\u4ea7\u635f\u5931\u8d23\u4efb\u9669\u63d0\u51fa\u7d22\u8d54\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f60\u4ecd\u7136\u53ef\u4ee5\u8d77\u8bc9\u5bf9\u65b9\u53f8\u673a\u5417\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u95ee\u9898\u662f\u6211\u4eec\u7ecf\u5e38\u542c\u5230\u7684\u95ee\u9898\u4e4b\u4e00\u3002\u5982\u679c\u65b0\u6cfd\u897f\u5dde\u662f\u4e00\u4e2a\u65e0\u8fc7\u9519\u5dde\uff0c\u6211\u8fd8\u80fd\u63d0\u8d77\u4eba\u8eab\u4f24\u5bb3\u8bc9\u8bbc\u5417\uff1f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\u662f\uff1a\u662f\u7684\uff0c\u4f46\u8981\u770b\u60c5\u51b5\u3002\u4f60\u8d77\u8bc9\u5bf9\u65b9\u53f8\u673a\u80fd\u5426\u6210\u529f\uff0c\u53d6\u51b3\u4e8e\u4e24\u4e2a\u4e3b\u8981\u56e0\u7d20\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u60a8\u7684\u4fdd\u9669\u9009\u62e9\uff1a\u201c\u8bc9\u8bbc\u9650\u5236\u201d vs. \u201c\u65e0\u9650\u8d77\u8bc9\u6743\u201d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d2d\u4e70\u65f6 <a href=\"https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/standardpolicy.html#:~:text=The%20Unlimited%20Right%20to%20Sue%20and%20Limited,affected%20by%20the%20choice%20you%20make%20here.\" target=\"_blank\" rel=\"noreferrer noopener\">\u65b0\u6cfd\u897f\u5dde\u7684\u6c7d\u8f66\u4fdd\u9669<\/a>, \u60a8\u5fc5\u987b\u9009\u62e9\u201c\u6709\u9650\u8bc9\u6743\u201d\u6216\u201c\u65e0\u9650\u8bc9\u6743\u201d\u3002\u5982\u679c\u60a8\u9009\u62e9\u201c\u6709\u9650\u8bc9\u6743\u201d\uff0c\u5219\u53ea\u80fd\u5c31\u975e\u7ecf\u6d4e\u635f\u5931\uff08\u4f8b\u5982\u75db\u82e6\u548c\u6298\u78e8\uff09\u8d77\u8bc9\u5bf9\u65b9\u53f8\u673a\uff0c\u524d\u63d0\u662f\u60a8\u906d\u53d7\u4e86\u67d0\u4e9b\u7c7b\u578b\u7684\u4e25\u91cd\u4f24\u5bb3\uff0c\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5931\u53bb\u8eab\u4f53\u7684\u4e00\u90e8\u5206\uff0c,<\/li>\n\n\n\n<li>\u4e25\u91cd\u7684\u6bc1\u5bb9\u6216\u75a4\u75d5,<\/li>\n\n\n\n<li>\u79fb\u4f4d\u6027\u9aa8\u6298,<\/li>\n\n\n\n<li>\u80ce\u513f\u4e22\u5931,<\/li>\n\n\n\n<li>\u6c38\u4e45\u6027\u635f\u4f24\uff0c\u6216<\/li>\n\n\n\n<li>\u6b7b\u4ea1\u3002.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u9009\u62e9\u65e0\u9650\u8ffd\u7d22\u6743\u610f\u5473\u7740\u65e0\u8bba\u4f24\u60c5\u8f7b\u91cd\uff0c\u60a8\u90fd\u53ef\u4ee5\u5c31\u7cbe\u795e\u75db\u82e6\u63d0\u8d77\u8bc9\u8bbc\u3002\u6b64\u9009\u9879\u4e3a\u60a8\u63d0\u4f9b\u4e86\u66f4\u5927\u7684\u7075\u6d3b\u6027\uff0c\u4f46\u4fdd\u8d39\u4e5f\u66f4\u9ad8\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8bb8\u591a\u65b0\u6cfd\u897f\u5dde\u7684\u53f8\u673a\u76f4\u5230\u4e3a\u65f6\u5df2\u665a\u624d\u610f\u8bc6\u5230\u81ea\u5df1\u9009\u62e9\u4e86\u4ec0\u4e48\u3002\u5982\u679c\u60a8\u4e0d\u786e\u5b9a\u81ea\u5df1\u62e5\u6709\u54ea\u79cd\u4fdd\u9669\uff0c\u6211\u4eec\u53ef\u4ee5\u5e2e\u52a9\u60a8\u627e\u51fa\u7b54\u6848\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u60a8\u7684\u4f24\u52bf\u4e25\u91cd\u7a0b\u5ea6<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5373\u4f7f\u63d0\u4f9b\u7684\u8bc9\u8bbc\u9009\u62e9\u6709\u9650\uff0c\u5982\u679c\u60a8\u7684\u4f24\u60c5\u7b26\u5408\u5dde\u6cd5\u5f8b\u89c4\u5b9a\u6807\u51c6\uff0c\u60a8\u4ecd\u7136\u53ef\u4ee5\u63d0\u8d77\u8bc9\u7d22\u3002\u5728 Glugeth &amp; Pierguidi\uff0c\u6211\u4eec\u4e0e\u60a8\u7684\u533b\u751f\u5bc6\u5207\u5408\u4f5c\uff0c\u5e76\u5ba1\u9605\u60a8\u7684\u75c5\u5386\uff0c\u4ee5\u786e\u5b9a\u60a8\u7684\u4f24\u60c5\u662f\u5426\u7b26\u5408\u6cd5\u5f8b\u89c4\u5b9a\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u65e0\u8fc7\u9519\u6cd5\u5f8b\u5982\u4f55\u5f71\u54cd\u4eba\u8eab\u4f24\u5bb3\u7d22\u8d54<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u65b0\u6cfd\u897f\u5dde\u7684\u65e0\u8fc7\u9519\u6cd5\u5f8b\u65e8\u5728\u51cf\u5c11\u5c0f\u989d\u8bc9\u8bbc\u5e76\u52a0\u5feb\u8d54\u507f\u3002\u7136\u800c\uff0c\u5b83\u4eec\u4e5f\u7ed9\u53d7\u4f24\u53d7\u5bb3\u8005\u5e26\u6765\u4e86\u66f4\u5927\u7684\u538b\u529b\uff0c\u9700\u8981\u8bc1\u660e\u4f24\u52bf\u7684\u4e25\u91cd\u6027\u3002\u800c\u4e14\uff0c\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\uff0c\u5b83\u4eec\u9650\u5236\u4e86\u83b7\u5f97\u5168\u989d\u8d54\u507f\u7684\u9014\u5f84\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u6cd5\u5f8b\u4f1a\u5f71\u54cd\u4f60\u7684\u6848\u4ef6\uff0c\u5177\u4f53\u65b9\u6cd5\u5982\u4e0b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5728\u56e0\u533b\u7597\u8d26\u5355\u63d0\u8d77\u8bc9\u8bbc\u4e4b\u524d\uff0c\u60a8\u5fc5\u987b\u4f7f\u7528PIP\uff0c\u5373\u4f7f\u5bf9\u65b9\u53f8\u673a\u660e\u663e\u6709\u8fc7\u9519\uff1b;<\/li>\n\n\n\n<li>\u75db\u82e6\u548c\u6298\u78e8\u7684\u7d22\u8d54\u53d7\u5230\u201c\u8bc9\u8bbc\u9650\u5236\u201d\u95e8\u69db\u7684\u9650\u5236\uff1b;<\/li>\n\n\n\n<li>\u4f4e\u6c7d\u6cb9\u4ef7\u683c\u9650\u5236\u53ef\u80fd\u5bfc\u81f4\u60a8\u4fdd\u9669\u4e0d\u8db3\uff0c\u5c24\u5176\u662f\u5728\u60a8\u9700\u8981\u624b\u672f\u6216\u957f\u671f\u62a4\u7406\u65f6\uff1b\u5e76\u4e14<\/li>\n\n\n\n<li>\u4e89\u8bae\u5f88\u5e38\u89c1\uff0c\u5c24\u5176\u662f\u5f53\u4fdd\u9669\u516c\u53f8\u8bd5\u56fe\u6839\u636e\u4f24\u60c5\u7c7b\u578b\u6765\u6700\u5c0f\u5316\u6216\u62d2\u7edd\u8d54\u507f\u65f6\u3002.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u590d\u6742\u60c5\u51b5\u4f7f\u5f97\uff0c\u5982\u679c\u60a8\u53d7\u4e86\u6bd4\u8f7b\u5fae\u4f24\u5bb3\u66f4\u4e25\u91cd\u7684\u4f24\uff0c\u90a3\u4e48\u4e0e\u5f8b\u5e08\u6c9f\u901a\u5c24\u5176\u91cd\u8981\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u65b0\u6cfd\u897f\u5dde\u65e0\u8fc7\u9519\u5dde\u6cd5\u5f8b\u7684\u5e38\u89c1\u8bef\u89e3&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5173\u4e8e\u65e0\u8fc7\u9519\u4fdd\u9669\uff0c\u5b58\u5728\u5f88\u591a\u56f0\u60d1\u3002\u4ee5\u4e0b\u662f\u6211\u4eec\u7ecf\u5e38\u9700\u8981\u4e3a\u5ba2\u6237\u6f84\u6e05\u7684\u4e00\u4e9b\u4e8b\u9879\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u65e0\u8fc7\u9519\u5e76\u4e0d\u610f\u5473\u7740\u6ca1\u6709\u4eba\u6709\u8fc7\u9519\u3002.<\/strong> \u5728\u6d89\u53ca\u4e25\u91cd\u4f24\u5bb3\u7684\u8bc9\u8bbc\u4e2d\uff0c\u8fc7\u9519\u4ecd\u7136\u5f88\u91cd\u8981\u3002.<\/li>\n\n\n\n<li><strong>\u5728\u4e25\u91cd\u7684\u60c5\u51b5\u4e0b\uff0c\u4f60\u4ecd\u7136\u53ef\u4ee5\u8d77\u8bc9\u3002.<\/strong> \u65e0\u8fc7\u9519\u6cd5\u5e76\u4e0d\u5265\u593a\u60a8\u63d0\u8d77\u8bc9\u8bbc\u7684\u6743\u5229\uff1b\u5b83\u4eec\u53ea\u662f\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\u9650\u5236\u60a8\u7684\u8fd9\u9879\u6743\u5229\u3002.<\/li>\n\n\n\n<li><strong>\u4e58\u5ba2\u548c\u884c\u4eba\u4e5f\u53ef\u4ee5\u4f7f\u7528PIP\u3002.<\/strong> \u60a8\u4e0d\u5fc5\u4eb2\u81ea\u9a7e\u9a76\u4e5f\u80fd\u83b7\u5f97\u65e0\u8fc7\u9519\u8d54\u507f\u3002.<\/li>\n\n\n\n<li><strong>\u60a8\u53ef\u80fd\u6bd4\u60a8\u60f3\u8c61\u7684\u62e5\u6709\u66f4\u591a\u7684\u4fdd\u969c\u3002.<\/strong> \u53ef\u80fd\u8fd8\u4f1a\u6d89\u53ca\u5176\u4ed6\u4fdd\u9669\uff0c\u5982\u4e0d\u8db3\u989d\u7684\u673a\u52a8\u8f66\u9a7e\u9a76\u5458\u4fdd\u9669\uff08UIM\uff09\u4fdd\u969c\u3002.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e86\u89e3\u8fd9\u4e9b\u8bef\u89e3\u53ef\u4ee5\u5e2e\u52a9\u60a8\u5728\u53d1\u751f\u4e8b\u6545\u540e\u505a\u51fa\u66f4\u660e\u667a\u7684\u9009\u62e9\u3002\u65e0\u8fc7\u9519\u6cd5\u5e76\u4e0d\u5265\u593a\u60a8\u7684\u6743\u5229\uff0c\u4f46\u5b83\u4eec\u786e\u5b9e\u4f7f\u4e86\u89e3\u60a8\u7684\u6743\u5229\u4ece\u4f55\u5f00\u59cb\u4ee5\u53ca\u5728\u54ea\u91cc\u7ed3\u675f\u53d8\u5f97\u66f4\u52a0\u91cd\u8981\u3002\u5982\u679c\u60a8\u4e0d\u786e\u5b9a\uff0c\u8bf7\u54a8\u8be2\u7ecf\u9a8c\u4e30\u5bcc\u7684\u5f8b\u5e08\uff0c\u4ed6\u4eec\u53ef\u4ee5\u4e3a\u60a8\u63d0\u4f9b\u6240\u9700\u7684\u6e05\u6670\u5ea6\u548c\u6307\u5bfc\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e3a\u4f55\u649e\u8f66\u540e\u5e94\u54a8\u8be2\u5f8b\u5e08<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u72ec\u81ea\u5e94\u5bf9\u65b0\u6cfd\u897f\u5dde\u7684\u65e0\u8fc7\u9519\u5236\u5ea6\u662f\u56f0\u96be\u7684\uff0c\u5c24\u5176\u662f\u5728\u60a8\u4ece\u4f24\u75c5\u4e2d\u6062\u590d\u671f\u95f4\u3002\u5728 Glugeth &amp; Pierguidi, P.C.\uff0c\u6211\u4eec\u5e2e\u52a9\u5ba2\u6237\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e86\u89e3\u4ed6\u4eec\u7684\u4fdd\u9669\u8303\u56f4\u548c\u4e2a\u4eba\u8d54\u507f\u9650\u989d\uff1b;<\/li>\n\n\n\n<li>\u786e\u5b9a\u4ed6\u4eec\u662f\u5426\u6709\u8d44\u683c\u63d0\u8d77\u8bc9\u8bbc <a href=\"https:\/\/www.njnylawyers.com\/zh\/blog\/automobile-accident-pain-and-suffering-damages\/\">\u75db\u695a<\/a>;<\/li>\n\n\n\n<li>\u5904\u7406\u62d2\u7edd\u3001\u62d6\u5ef6\u548c\u4f4e\u4ef7\u548c\u89e3\uff1b;<\/li>\n\n\n\n<li>\u6700\u5927\u5316\u6240\u6709\u53ef\u7528\u6765\u6e90\u7684\u8d54\u507f\uff1b\u4ee5\u53ca<\/li>\n\n\n\n<li>\u5f53\u4fdd\u9669\u516c\u53f8\u8bd5\u56fe\u9650\u5236\u4ed6\u4eec\u7684\u8d54\u507f\u65f6\uff0c\u8981\u8fdb\u884c\u53cd\u51fb\u3002.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6211\u4eec\u4e0d\u662f\u547c\u53eb\u4e2d\u5fc3\u3002\u5f53\u60a8\u8054\u7cfb\u6211\u4eec\u65f6\uff0c\u60a8\u5c06\u76f4\u63a5\u4e0e\u6211\u4eec\u7684\u5f8b\u5e08\u901a\u8bdd\uff0c,<strong> <\/strong>\u6211\u4eec\u5c06\u6beb\u65e0\u538b\u529b\u5730\u4e3a\u60a8\u4ecb\u7ecd\u60a8\u7684\u9009\u62e9\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7acb\u5373\u8054\u7cfb\u65b0\u6cfd\u897f\u5dde\u6c7d\u8f66\u4e8b\u6545\u5f8b\u5e08<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u8981\u8ba9\u5bf9\u4fdd\u9669\u6cd5\u7684\u6df7\u6dc6\u4ee5\u53ca\u65b0\u6cfd\u897f\u5dde\u662f\u65e0\u8fc7\u9519\u5dde\u7684\u4e8b\u5b9e\u963b\u788d\u60a8\u83b7\u5f97\u6240\u9700\u7684\u5e2e\u52a9\u3002\u65e0\u8bba\u60a8\u662f\u88ab\u62d2\u7edd\u884c\u4eba\u533b\u7597\u8d39\u7528\u798f\u5229\uff0c\u8fd8\u662f\u60f3\u77e5\u9053\u60a8\u7684\u4f24\u52bf\u662f\u5426\u591f\u8d44\u683c\u63d0\u8d77\u8bc9\u8bbc\uff0c\u6211\u4eec\u7684\u5f8b\u5e08\u90fd\u4f1a\u968f\u65f6\u89e3\u7b54\u60a8\u7684\u7591\u95ee\u5e76\u4e0e\u60a8\u5e76\u80a9\u4f5c\u6218\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.njnylawyers.com\/zh\/contact\/\">\u81f4\u7535 Glugeth &amp; Pierguidi, P.C.<\/a>, \uff0c\u7acb\u5373\u5b89\u6392\u60a8\u7684\u514d\u8d39\u54a8\u8be2\u3002\u9664\u975e\u6211\u4eec\u4e3a\u60a8\u8ffd\u56de\u6b3e\u9879\uff0c\u5426\u5219\u4e0d\u6536\u53d6\u4efb\u4f55\u8d39\u7528\u3002\u5f53\u60a8\u9700\u8981\u5e2e\u52a9\u6765\u89e3\u8bfb\u65b0\u6cfd\u897f\u5dde\u7684\u201c\u65e0\u8fc7\u9519\u201d\u6cd5\u5f8b\u65f6\uff0c\u60a8\u4f1a\u5728\u8fd9\u91cc\u627e\u5230\u5b83\u3002.<\/p>\n\n\n\n<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d3023.1112728123962!2d-74.029034!3d40.737577!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x89c259e1af955555%3A0xeacf7e54eda118dc!2sGlugeth%20%26%20Pierguidi%2C%20P.C.!5e0!3m2!1sen!2sus!4v1763475008376!5m2!1sen!2sus\" width=\"600\" height=\"450\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>","protected":false},"excerpt":{"rendered":"<p>If you\u2019ve been in a car accident in New Jersey, one of the first questions you may have is, \u201cIs New Jersey a no-fault state?\u201d The answer is yes. However, what that means for your legal rights, medical bills, and potential compensation can be confusing. At Glugeth &amp; Pierguidi, P.C., we talk to car accident victims every day who are dealing with this exact situation. If you\u2019re trying to understand how New Jersey no-fault insurance laws affect your injury claim, you\u2019re not alone. This post will walk you through what no-fault means, how it impacts your ability to sue, and what steps you can take if you\u2019ve been seriously injured. Learn How No-Fault Laws Affect Your ClaimWe can help you navigate New Jersey&#8217;s no-fault laws following an accident, ensuring you are able to hold the right party responsible and recover the compensation you deserve. What Is No-Fault Insurance? Let\u2019s start with the basics: What does no-fault insurance mean? In a no-fault system, your own car insurance company pays for your medical expenses and some other economic losses, regardless of who caused the accident. These benefits are known as Personal Injury Protection (PIP). No-fault insurance is meant to streamline the claims process for minor injuries. It avoids the need for immediate lawsuits and helps injured drivers, passengers, and even pedestrians access medical care more quickly. However, a no-fault coverage system has its limits, and understanding those limits is key to protecting your rights. How No-Fault Works in New Jersey New Jersey is one of a handful of states that use a choice no-fault system, which means drivers have options when selecting their coverage. However, all policies come with a mandatory PIP component. Here\u2019s how it typically works: It\u2019s a system that tries to balance convenience with control, but it can quickly become complicated when injuries are severe or long-term. What Does PIP Cover? Your Personal Injury Protection (PIP) benefits usually include: PIP does not cover property damage. For that, you\u2019d need collision or comprehensive coverage. Or, you can pursue a claim against the at-fault driver\u2019s property damage liability insurance. Can You Still Sue the Other Driver? This question is one of the most common ones we hear. If New Jersey is a no-fault state, can I still file a personal injury lawsuit? The answer is: Yes, but it depends. Your ability to sue the other driver hinges on two main factors: 1. Your Insurance Selection: \u201cLimitation on Lawsuit\u201d vs. \u201cUnlimited Right to Sue\u201d When buying auto insurance in New Jersey, you must select either Limited or Unlimited Right to Sue. If you opt for Limited Right to Sue, you can only sue the other driver for noneconomic damages (like pain and suffering) if you sustained certain types of serious injuries, such as: Choosing an Unlimited Right to Sue means you can pursue a lawsuit for pain and suffering regardless of injury severity. This option gives you more flexibility, but it comes with higher premiums. Many New Jersey drivers don\u2019t realize what they selected until it\u2019s too late. If you\u2019re unsure what kind of coverage you have, we can help you find out. 2. The Severity of Your Injuries Even with a limited lawsuit option, you can still file a claim if your injuries meet the state\u2019s legal threshold. At Glugeth &amp; Pierguidi, we work closely with your doctors and review your medical records to determine if your injuries legally qualify. How No-Fault Laws Affect Personal Injury Claims New Jersey\u2019s no-fault laws were intended to reduce minor lawsuits and speed up compensation. However, they also put more pressure on injured victims to prove the seriousness of their injuries. And, in some cases, they limit access to full compensation. Here\u2019s how these laws can impact your case: These complexities make it especially important to speak with an attorney if you\u2019ve suffered anything more than a minor injury. Common Misconceptions About New Jersey No-Fault State Laws&nbsp; A lot of confusion surrounds no-fault insurance. Here are a few things we often have to clarify for clients: Understanding these misconceptions can help you make more informed choices after a crash. No-fault laws don\u2019t take away your rights, but they do make it more important to know where those rights begin and end. If you\u2019re ever unsure, speaking with an experienced attorney can give you the clarity and direction you need. Why You Should Talk to a Lawyer After a Crash Navigating New Jersey\u2019s no-fault system on your own is difficult, especially when you\u2019re recovering from an injury. At Glugeth &amp; Pierguidi, P.C., we help clients: We\u2019re not a call center. When you reach out, you\u2019ll speak directly with one of our attorneys, and we\u2019ll walk you through your options without pressure. Contact a New Jersey Car Accident Attorney Today Don\u2019t let confusion over insurance laws and the fact that New Jersey is a no-fault state keep you from getting the help you need. Whether you\u2019re being denied PIP benefits or wondering if your injuries qualify for a lawsuit, our attorneys are here to answer your questions and stand by your side. Call Glugeth &amp; Pierguidi, P.C., today to schedule your free consultation. There\u2019s no fee unless we recover money for you. When you need assistance navigating New Jersey\u2019s no-fault laws, you\u2019ll find it here.<\/p>","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_ai_research_index":"1","footnotes":""},"categories":[1],"tags":[],"class_list":["post-1569","post","type-post","status-publish","format-standard","hentry","category-car-accidents"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>New Jersey No-Fault Laws - Glugeth &amp; Pierguidi, P.C.<\/title>\n<meta name=\"description\" content=\"Learn more about how New Jersey no-fault insurance laws affect your injury claim if you&#039;ve been in an accident. 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