New Jersey has adopted the no fault insurance law, and assuming you have a verbal threshold policy, you need a serious injury to be able to bring a claim. Serious injury is very specifically defined as death, dismemberment, loss of a fetus, a displaced fracture, a disfiguring scar, or any injury that has permanent consequences. You must be able to prove that you have an injury that meets that threshold to be able to bring a personal injury claim in New Jersey.
