New Jersey Car Accident Settlement Calculator
Estimate a car accident settlement under New Jersey law. The calculator applies this jurisdiction's own comparative fault rule and damages ceilings, and every figure below is the one our verified data holds, with the statute behind it and the date we checked it.
What New Jersey law does to your claim
Three things in state law open a gap between two identical injuries in two different states: how long you have to file, what happens if you were partly at fault, and whether the state puts a ceiling on what a jury can award. Here is what we hold for this one.
New Jersey bars recovery if plaintiff is 51% or more at fault.
N.J.S.A. §§ 2A:15-5.1 to -5.3·Source retrieved 2026-07-27
N.J.S.A. § 2A:15-5.14·Last reviewed 2026-07-30
None on record means our verified data holds no figure of this kind for this state. It is not a finding that no limit could apply to your claim.
New Jersey car insurance law: minimums, PIP and uninsured motorist coverage
What New Jersey's provisions say about the insurance behind a car accident claim, in their own words, with the copy read named under each.
New Jersey: Minimum liability coverage
“C.39:6B-1 Maintenance of motor vehicle liability insurance coverage. 1. a. Every owner or registered owner of a motor vehicle registered or principally garaged in this State shall maintain motor vehicle liability insurance coverage, under provisions approved by the Commissioner of Banking and Insurance, insuring against loss resulting from liability imposed by law for bodily injury, death and property damage sustained by any person arising out of the ownership, maintenance, operation or use of a motor vehicle wherein such coverage shall be at least in: (1) an amount or limit of $15,000 for plans issued or renewed prior to January 1, 2023, $25,000 for plans issued or renewed on or after January 1, 2023 but prior to January 1, 2026, and $35,000 for plans issued or renewed on or after January 1, 2026, exclusive of interest and costs, on account of injury to, or death of, one person, in any one accident; and (2) an amount or limit, subject to such limit for any one person so injured or killed, of $30,000 for plans issued or renewed prior to January 1, 2023, $50,000 for plans issued or renewed on or after January 1, 2023 but prior to January 1, 2026, and $70,000 for plans issued or renewed on or after January 1, 2026, exclusive of interest and costs, on account of injury to or death of, more than one person, in any one accident; and (3) an amount or limit of $25,000 for plans issued or renewed on or after January 1, 2023, exclusive of interest and costs, for damage to property in any one accident. […]”
The provision continues past the end of this quote, and the rest is not quoted here.
A basic policy:
“[…] an owner or registered owner of an automobile, as defined in section 2 of P.L.1972, c.70 (C.39:6A-2), registered or primarily garaged in the State may satisfy the requirements of subsection a. of this section by maintaining a basic automobile insurance policy containing coverages provided pursuant to subsections a. and b. of section 4 of P.L.1998, c.21 (C.39:6A-3.1). c. Notwithstanding the provisions of subsection a. of this section, an owner or registered owner of an automobile, as defined in section 2 of P.L.1972, c.70 (C.39:6A-2), registered or primarily garaged in the State may satisfy the requirements of subsection a. of this section by maintaining a special automobile insurance policy […]”
The provision begins before this quote and continues past its end, and neither part is quoted here.
The New Jersey Department of Banking and Insurance's "Standard Policy" page states:
“Coverage is not included but $10,000 coverage for all persons, per accident, is available as an option […]”
The provision continues past the end of this quote, and the rest is not quoted here.
A minimum is a floor on what a policy must carry. It is not a limit on what a claim is worth, and it does not tell you what the at-fault driver carries.
Each New Jersey statute here is quoted from the Legislature's copy of P.L. 2022, c. 87, the act that amended it, as the Internet Archive captured it on 2026-07-01. Whether the act's schedule was changed again later was not checked.
New Jersey: No-fault, personal injury protection and the right to sue
The New Jersey Department of Banking and Insurance's "Standard Policy" page states:
“As low as: $15,000 per person or accident As high as: $250,000 or more Up to $250,000 for certain injuries* regardless of of [sic] selected limit […]”
The provision continues past the end of this quote, and the rest is not quoted here.
The New Jersey Department of Banking and Insurance's "Standard Policy" page states:
“Limited Right to Sue - By choosing the Limitation on Lawsuit Option, you agree not to sue the person who caused an auto accident for your pain and suffering unless you sustain one of the permanent injuries listed below: (Choosing this option does not affect your ability to sue for economic damages such as medical expenses and lost wages.) loss of body part significant disfigurement or significant scarring a displaced fracture loss of a fetus permanent injury (Any injury shall be considered permanent when the body part or organ, or both, has not healed to function normally and will not heal to function normally with further medical treatment based on objective medical proof.) death […]”
The provision continues past the end of this quote, and the rest is not quoted here.
The New Jersey Department of Banking and Insurance's "Standard Policy" page states:
“Unlimited Right to Sue - Under the No Limitation on Lawsuit Option, you retain the right to sue the person who caused an auto accident for pain and suffering for any injury.”
The New Jersey Department of Banking and Insurance's "Standard Policy" page states:
“You cannot sue an insurance company or its producers or representatives if the Limited Right to Sue option is imposed by law because no choice was made on the coverage selection form.”
The statutes behind it (N.J.S.A. 39:6A-4 and 39:6A-8) were not read for this page.
New Jersey: Uninsured and underinsured motorist coverage
“Except for a basic automobile insurance policy, no motor vehicle liability policy or renewal of such policy of insurance, including a standard liability policy for an automobile as defined in section 2 of P.L.1972, c.70 (C.39:6A-2), insuring against loss resulting from liability imposed by law for bodily injury or death, sustained by any person arising out of the ownership, maintenance or use of a motor vehicle, shall be issued in this State with respect to any motor vehicle registered or principally garaged in this State unless it includes coverage in limits for bodily injury or death as follows: (1) an amount or limit of $15,000 for plans issued or renewed prior to January 1, 2023, $25,000 for plans issued or renewed on or after January 1, 2023 but prior to January 1, 2026, and $35,000 for plans issued or renewed on or after January 1, 2026, exclusive of interest and costs, on account of injury to, or death of, one person, in any one accident, and (2) an amount or limit, subject to such limit for any one person so injured or killed, of $30,000 for plans issued or renewed prior to January 1, 2023, $50,000 for plans issued or renewed on or after January 1, 2023 but prior to January 1, 2026, and $70,000 for plans issued or renewed on or after January 1, 2026, exclusive of interest and costs, on account of injury to or death of more than one person, in any one accident, under provisions approved by the Commissioner of Banking and Insurance, for payment of all or part of the sums which the insured or his legal representative shall be legally entitled to recover as damages from the operator or owner of an uninsured motor vehicle, underinsured motor vehicle, or hit and run motor vehicle, […]”
The provision continues past the end of this quote, and the rest is not quoted here.
The same section, on non-economic loss:
“[…] uninsured motorist coverage shall provide that in order to recover for non-economic loss, as defined in section 2 of P.L.1972, c.70 (C.39:6A-2), for accidents to which the benefits of section 4 (C.39:6A-4) of that act apply, the tort option elected pursuant to section 8 (C.39:6A-8) of that act shall apply to that injured person.”
The provision begins before this quote, and the part before it is not quoted here.
Each New Jersey statute here is quoted from the Legislature's copy of P.L. 2022, c. 87, the act that amended it, as the Internet Archive captured it on 2026-07-01. Whether the act's schedule was changed again later was not checked.
New Jersey: Medical payments coverage
No medical payments coverage requirement was found in the provisions read for this page (P.L. 2022, c. 87 and the Department of Banking and Insurance's "Standard Policy" page).
What partial fault costs you in New Jersey
The same claim, fracture with surgery, several months of recovery, run through the calculator above four times, with nothing changed but the share of fault assigned to the claimant. The numbers are the engine's output, not an editorial claim about what these cases are worth.
One case, run through the calculator above four times with only the claimant's share of fault changed, under New Jersey law. No coverage ceiling is applied, because we would be inventing the at-fault party's policy. These shares illustrate the rule; they are not an estimate of your own fault.
Every New Jersey deadline we hold
A claim can be more than one kind of case, and the clock is different for each. These are the New Jersey periods in our verified data, with the statute behind each one. A deadline is the outside limit, never a target, and other rules can shorten it.
N.J.S.A. § 2A:14-2·Source retrieved 2026-07-27
Open the personal injury calculatorN.J.S.A. § 2A:14-2·Source retrieved 2026-07-27
Open the medical malpractice calculatorN.J.S.A. § 2A:31-3·Source retrieved 2026-07-27
Open the wrongful death calculatorN.J.S.A. § 34:15-51·Source retrieved 2026-07-27
Open the workers compensation calculatorNew Jersey against the rest of the country
Every count below is read from our state-law data across all 51 jurisdictions, so it moves when the data does. What you will not find here is an average settlement figure: the only one we could compute is a model, and a model presented as a measurement is not a fact.
- 24 of the 51 jurisdictions we track apply modified comparative negligence with a 51% bar, and New Jersey is one of them.
- Its 2 years to file is the same as the most common deadline in the country, which 25 jurisdictions use. Across the 51 jurisdictions the deadline for this case type runs from 1 year to 6 years.
- 7 of the 51 jurisdictions limit non-economic damages (pain and suffering) in our data and New Jersey is not among them, so an estimate here is not held down by a ceiling we hold.
Comparisons are drawn from the legal levers that actually move a case value, not from closed-case data, which we do not hold. See the full methodology