The State of New Jersey adopted a comprehensive system of automobile insurance statutes in 1972 to provide that “persons injured in motor vehicle accidents are compensated promptly” and to insure that there are “financially responsible” persons available to meet these claims. Craig & Pomeroy, New Jersey Auto Insurance Law, Gann. The triple pillars of the system are the Compulsory Insurance Law (which requires liability insurance), the No Fault Act (which requires personal injury protection benefits) and the Uninsured Motorist Act (which requires uninsured and underinsured motorist coverage).
Every year since 1992, I have written an Automobile Injury Supplement for the New Jersey Law Journal entitled “A Look at No Fault.” The primary purpose of this supplement is to review every case, rule and regulation dealing with the verbal threshold, PIP benefits and UM/UIM coverage. In addition, I review other cases that deal with “automobile injuries.”
