Zabilowicz v. Kelsey

Under New Jersey’s system of no-l'ault automobile insurance, owners of motor vehicles registered or principally garaged in New Jersey have certain legal obligations. First, they must purchase standard, basic, or special insurance coverage for their automobiles. N.J.S.A. 39:6B-1; see also Caviglia v. Royal Town of Am., 178 N.J. 460, 466, 842 A.2d 125 (2004). Second, every automobile insurance policy must provide “personal injury protection [ (PIP) ] benefits”—the payment of medical expenses to the insured and his family household members who suffer bodily injury in an automobile accident. See…