Personal Injury Protection (PIP) Your Rights Are Our Business

New Jersey PIP Lawyers

How Personal Injury Protection Works in “No-Fault” States Like New Jersey

After a car accident, many people assume that the at-fault driver’s insurance company will be responsible for covering the injured party’s resulting medical bills. Under New Jersey law, this is not the case.

New Jersey is one of several “no-fault” states when it comes to auto accidents, meaning drivers may only seek compensation for medical expenses through their own Personal Injury Protection (PIP) insurance in the event of a collision, regardless of who is at fault.

If you were injured in an auto accident either as a driver, passenger, or pedestrian, a knowledgeable New Jersey PIP attorney from our legal team can help you file a PIP claim to maximize your chances of securing every penny of your entitled compensation.

Countless clients have trusted our firm for the following reasons:

  • Free initial consultation and same-day appointments
  • After-hours and weekend appointments available upon request
  • 60+ years of combined experience serving New Jersey residents
  • American Society of Legal Advocates “Top 100 Lawyers” inclusion
  • Nation’s Top One Percent from the National Association of Distinguished Counsel
  • Licensed in New Jersey, Pennsylvania, Washington D.C., Virginia, and North Carolina

At Burnham Douglass Attorneys at Law, we are committed to helping clients pursue Personal Injury Protection (PIP) claims after a car accident, including medical expenses, lost wages, and property damage.

Call us at (856) 512-1461 or contact us online to get started.

What Are PIP Benefits?

Every driver in the state of New Jersey must purchase Personal Injury Protection (PIP) insurance with their auto insurance policy, which covers their medical expenses, lost wages, and essential services, as well as funeral and death benefits to a person’s dependents in the event that a driver should lose their life in an accident. PIP benefits are used whenever a person is involved in an accident, regardless of fault or if a person’s vehicle was even involved in the collision. For instance, if a PIP-insured person was injured in a collision while riding as a passenger in someone else’s vehicle, they would still seek compensation through their own PIP insurance.

PIP benefits cover multiple parties, including:

  • The owner of the insured vehicle
  • Passengers of a PIP-insured vehicle
  • Blood or marriage-related household members of a PIP-insured vehicle

Medical expenses that exceed a person’s deductible will be subject to an 80/20 copayment provision up to $5,000. In other words, once you have payed your deductible, PIP insurance pays for 80% of your medical bills up to a total of $5,000, and you are responsible for the remaining 20%. Any additional medical expenses will be completely covered by PIP insurance, up to a standard maximum of $250,000 or more depending on the terms of your policy.

Can My Insurance Company Stop Paying My Benefits?

Under New Jersey law, PIP insurance providers are legally entitled to have you examined by a doctor of their choice to determine if you are eligible to continue to receive benefits. In the event that their chosen doctor determines that you have healed from your treatment, or that your injuries were so serious that additional treatment will not provide a considerable benefit, your insurance company may notify you of a termination of your benefits. You do not have to accept this decision. An experienced attorney from our firm can help you fight to continue to receive your entitled treatment.

At Burnham Douglass Attorneys at Law, our New Jersey PIP lawyers have handled thousands of PIP arbitrations on behalf of injured individuals, as well as anesthesiologists, chiropractors, dentists, diagnostic facilities, pain management specialists, physical therapists, hospitals, surgeons, surgery centers, and medical supply companies. Through negotiations with the involved insurance companies appeals, and litigation, we are prepared to go the distance on your behalf in pursuit of the results you need.

We represent clients throughout South Jersey, including those in Atlantic County, Burlington County and Camden County.

To schedule a free consultation with a trusted PIP attorney on our team, submit an online contact form here or give us a call at (856) 512-1461.

The Stories That Matter

See What Our Valued Clients Have to Say
  • Both Michelle and Phil made me feel like I was a family member they were representing.

    “This testimonial will be the most honest you have ever read. My journey is incredible..my case was actually dismissed in summary judgment due to fact I had incompetent counsel previously. Michelle ...”

    - Robert K. Petroski
  • After meeting Michelle, she gave me the confidence I needed to fight for what I deserved.

    “When I first met Michelle, I had so many fears about filing a lawsuit. I was afraid of actually filing against Atlantic City Board of Education simply because what I had gone through was torture. I ...”

    - Maria Marino
  • I never knew compassion, value and honesty could exist in an attorney until I met Philip.

    “I'm hoping there's enough space to comment on my experience with Philip as he assisted me on a very personal matter... I was recommended by two different sources, so I hoped & prayed this would be my ...”

    - Dan
  • She was always very prompt in her follow-up and developed a winning strategy for me.

    “I am very grateful Mrs. Michelle J. Douglass took my case. You demonstrated to me great expertise. She was always very prompt in her follow-up and developed a winning strategy for me. Working with ...”

    - James Runyon
  • Michelle Douglass is a straight shooter and fights for your rights.

    “The firm handled my case in a dedicated and professional manner. Michelle Douglass is a straight shooter and fights for your rights. Her tenaciousness and no nonsense approach quickly set the tone and ...”

    - Dave Daniels
  • Phil's service exceeded my expectations and I found him to be more responsive and sensitive to my situation than the previous lawyer I had used.

    “Phil Burnham is an excellent divorce lawyer! Phil's service exceeded my expectations and I found him to be more responsive and sensitive to my situation than the previous lawyer I had used. He was ...”

    - Abby
  • Ms. Douglass always returned my calls promptly as if I were the most valuable client among the many she represents.

    “It has been a pleasure for the last couple of years working with Michelle Douglass and the entire 'My rights lawyers team'. Michelle's experience and legal knowledge on employee rights impressed me ...”

    - Heather
  • I was helped by Michelle every step of the way, with guidance and answers. She is remarkable and I love her.

    “My name is Joanne Craven. I have been a long time client of the firm and have become a personal friend with Michelle Douglass as a result. Just recently, they helped me through a very difficult time. ...”

    - Joanne Imperatore
  • Ms. Douglass, I got a feeling of genuine concern, unlike that of the prior attorneys I had spoken to.

    “I first met attorney Michelle Douglass in late fall of 2003. I had been to numerous attorneys trying to find one that was not only capable, but willing to take on such a challenge. When I presented my ...”

    - Kathy Jen
  • Michelle Douglass turned a difficult situation into an easy solution.

    “When I needed an attorney to help me through a difficult transition from employment to retirement, I turned to Michelle Douglass. Throughout my case, I was in contact with my attorneys, all of my ...”

    - Erich Straub
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What Sets Our Firm Apart?

The Difference is Clear 
  • Care

    We approach each client with compassion, empathy and care.

  • Experience

    We have an in-depth understanding of the law and how it relates to your unique case.

  • Personal Attention

    We will provide you with the personal attention your case deserves.

  • Flexible

    We offer video, after hour and weekend appointments for your convenience. 

  • High-Quality Representation

    We deliver high-quality legal work because we handle select cases.

  • Dedication

    We have been serving the needs of our clients for over 30 years and are dedicated to your success.

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