Practice Areas
No-Fault
Arbitration
New Jersey's no-fault insurance system provides immediate medical coverage after car accidents, but disputes over benefits often require arbitration. We help you get the full benefits you deserve.
Coverage
Medical expenses, lost wages, and essential services regardless of fault
Time Limits
Must file arbitration within 2 years of denial or dispute
Fee Structure
No fee unless we win — zero financial risk to you
Benefits
Up to $250,000 in medical coverage plus wage replacement
New Jersey's no-fault Personal Injury Protection (PIP) system ensures accident victims receive immediate benefits, but insurance companies often wrongfully deny or underpay legitimate claims requiring arbitration to resolve.
Under N.J.S.A. 39:6A-1 et seq., New Jersey's Personal Injury Protection (PIP) law requires all drivers to carry no-fault insurance that provides immediate medical coverage and other benefits regardless of who caused the accident. When disputes arise over coverage, benefits, or payment amounts, N.J.S.A. 39:6A-5.1 establishes a mandatory arbitration process through the New Jersey Personal Injury Protection Arbitration Organization to resolve these conflicts outside of court.
No-fault PIP benefits typically cover medical expenses up to $250,000 (or your policy limit), 75% of lost income for up to 52 weeks, essential services benefits for household tasks you cannot perform due to injuries, and in some cases, death benefits. The system is designed to provide immediate payment without the need to prove fault, ensuring accident victims receive necessary treatment and support while recovering from their injuries.
The most common obstacles in no-fault arbitration cases involve insurance companies using tactics to delay, deny, or minimize legitimate claims through independent medical examinations, disputes over medical necessity, or arguments about pre-existing conditions. Insurance companies often have experienced attorneys and medical experts working to limit payouts, making legal representation crucial to ensure you receive full benefits. Additionally, strict deadlines apply for filing arbitration demands, and missing these deadlines can result in permanent loss of benefits.
The Law
What you
need to know
01
Denied Medical Treatment
Your insurance company refuses to pay for recommended surgery or ongoing physical therapy. Arbitration can compel them to cover necessary medical care.
02
Disputed Lost Wages
The insurer questions your income documentation or disputes your inability to work. We fight to secure your full wage replacement benefits.
03
IME Disputes
The insurance company's doctor claims you've recovered when your treating physician disagrees. Arbitration resolves conflicting medical opinions.
04
Coverage Limitations
Your insurer argues certain treatments aren't covered under your policy. We ensure you receive all benefits you're entitled to under New Jersey law.
05
Pre-existing Conditions
The insurance company blames your injuries on pre-existing medical conditions to avoid payment. Arbitration can establish the accident's role in your current condition.
06
Essential Services Benefits
You need help with household tasks due to your injuries, but the insurer denies these benefits. We fight to secure compensation for necessary assistance.
Cases we handle
Common scenarios
What to expect
How the
process works
Seek Medical Treatment
Get immediate medical attention and continue all recommended treatment. Keep detailed records of all medical visits, treatments, and expenses. Your medical documentation forms the foundation of your PIP claim and any potential arbitration case.
File PIP Claim
Submit your no-fault claim to your insurance company with all required documentation. The insurer has 30 days to pay or deny your claim. If they deny benefits or dispute coverage, this triggers your right to arbitration.
Demand Arbitration
We file a formal arbitration demand within the required time limits, typically within 2 years of the denial. This initiates the formal dispute resolution process and preserves your right to benefits.
Discovery and Preparation
Both sides exchange medical records, wage documentation, and other evidence. We prepare your case by gathering expert medical testimony and building a comprehensive argument for why you deserve full benefits.
Arbitration Hearing
A neutral arbitrator hears evidence from both sides and makes a binding decision on your benefits. Most cases resolve through settlement negotiations before reaching this stage, but we prepare every case for hearing.
Questions
Frequently
asked
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No-fault arbitration is a dispute resolution process used when your insurance company denies or underpays your PIP benefits after a car accident. You need arbitration when your insurer refuses to cover medical treatment, disputes your lost wages, or denies other benefits you're entitled to under New Jersey's no-fault law.
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Generally, you have two years from the date your insurance company denies your claim or benefits to file for arbitration. However, there are specific notice requirements and deadlines that vary depending on your situation, so it's important to act quickly after any denial.
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Yes. New Jersey's no-fault system provides PIP benefits regardless of who caused the accident. Even if you were 100% at fault, you're still entitled to medical coverage, lost wage benefits, and other PIP benefits from your own insurance company.
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Insurance companies often require Independent Medical Examinations (IMEs) to dispute your injuries or treatment needs. You're generally required to attend, but their doctor's opinion doesn't automatically end your benefits. We can challenge biased IME reports through arbitration.
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We handle no-fault arbitration cases on a contingency fee basis, meaning you pay no attorney fees unless we recover benefits for you. There are small filing fees for arbitration, but we advance these costs and only recover them if we win your case.
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You can recover medical expenses up to your policy limits (typically $250,000), 75% of your lost income for up to 52 weeks, essential services benefits for household help, and in some cases death benefits. The goal is to get your insurance company to pay all benefits they wrongfully denied.
Free Consultation
Benefitsdenied?
Tell us what happened. We'll give you an honest assessment - no pressure, no obligation, and no fee unless we recover for you. We're available by phone or at our offices, and we're happy to meet you wherever is most convenient.
Call Us Directly
(973) 401-0064