New Jersey · Statewide

Personal Injury Orthopedic Surgeons in New Jersey

Manages fractures, joint injuries, and the surgical decisions that define the value and duration of a serious injury case. Surgical authorisation runs through Decision Point Review, and the insured’s selected PIP limit — anywhere from $15,000 to $250,000 — determines how much of the procedure the first-party benefit can absorb.

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Counties covered
21
Cities listed
106
Insurance system
No-fault (PIP)

New Jersey injury law, in practice

New Jersey is a no-fault state where the insured chooses both their PIP limit and whether they retain the right to sue for pain and suffering. For treating practices the defining feature is Decision Point Review: most care beyond the initial period must be precertified with the insurer before it is provided, or it will not be paid.

Insurance systemNo-fault — PIP required, $15,000 standard, selectable to $250,000N.J.S.A. 39:6A-4
PrecertificationDecision Point Review and precertification required for much ongoing careN.J.A.C. 11:3-4
Right to sueLimitation on lawsuit option elected by the insuredN.J.S.A. 39:6A-8
Comparative negligenceModified — recovery barred above 51% faultN.J.S.A. 2A:15-5.1
Deadline to file suit2 years from the date of injuryN.J.S.A. 2A:14-2
What this means for orthopedic surgeons in NJ

Surgical authorisation runs through Decision Point Review, and the insured’s selected PIP limit — anywhere from $15,000 to $250,000 — determines how much of the procedure the first-party benefit can absorb.

This page describes general aspects of state law for informational purposes only. It is not legal advice, does not create an attorney-client relationship, and should not be relied on in any particular case. Statutes change — confirm current law with a licensed attorney in your state.

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