In 1972, the State of New Jersey enacted a comprehensive system of automobile statutes to provide that automobile accident victims are reimbursed promptly for their first-party medical expenses and to insure that there are financially responsible sources of insurance to compensate them fully for their third-party liability claims. The three pillars of the system are the Compulsory Insurance Law (which requires minimum limits of liability insurance), the No Fault Act (which requires personal injury protection benefits), and the Uninsured Motorist Act (which requires minimum limits of 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 purpose of this supplement is to review every case, rule, regulation or statute that deals with the verbal threshold as well as the most important cases dealing with PIP benefits and UM/UIM coverage.