What is a car accident claim worth in New Jersey?
Every rule below is quoted from New Jersey law or a state agency, with a link. Checked September 17, 2026.
The short answer
Nobody can price your claim from a web page, and any site that gives you one number is guessing. What we can show you is real: the amount insurers actually paid per claim in New Jersey, and the New Jersey rules that raise or lower what you collect. $39,679 was the average injury claim paid in New Jersey in 2022.
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Averages come from NAIC 2022/2023 Auto Insurance Database Report. State rules are quoted from New Jersey law on this site, each with a link.
What claims paid in New Jersey
Injury claims in New Jersey averaged $39,679 each in 2022.
Car and property damage claims averaged $6,298.
| Injury claim paid by the at fault driver's insurance | $39,679 |
|---|---|
| Car and property damage | $6,298 |
| Personal injury protection, paid by your own policy | $18,281 |
| Medical payments coverage, paid by your own policy | $6,619 |
| Collision coverage, paid by your own policy | $6,982 |
These are averages of every claim insurers closed, from the largest to the smallest. A claim with a hospital stay sits far above the average, and a fender bender sits far below it.
What changes the number in New Jersey
If you were partly at fault
New Jersey uses modified comparative negligence with a 51 percent bar. You can recover money only if your share of fault is 50 percent or less. If you are more than half at fault, you recover nothing.
“plaintiff's percentage of fault must be 50% or less. If the plaintiff's percentage is more than 50%, plaintiff will not recover damages at all”
The other driver's policy limit is the ceiling
As of January 1, 2026, a standard New Jersey policy must carry at least $35,000 per person and $70,000 per accident for bodily injury, and $25,000 for property damage. These numbers do not apply to the separate, lower cost basic policy.
“These provisions of the Act increase the minimum limits of liability for Per Person Coverage to $35,000 and Per Accident Coverage to $70,000. The minimum limit for Property Damage Coverage remains $25,000.”
If the other driver has no insurance
Uninsured and underinsured motorist coverage is required on a standard policy, at the same dollar limits as your bodily injury liability coverage. The basic policy does not have this requirement.
“Except for a basic automobile insurance policy, no motor vehicle liability policy or renewal of such policy of insurance... shall be issued in this State... unless it includes coverage in limits for bodily injury or death as follows”
The deadline that ends the claim
You have 2 years from the crash to file a lawsuit for your injuries.
“every action at law for an injury to the person caused by the wrongful act, neglect or default of any person within this State shall be commenced within two years next after the cause of any such action shall have accrued”
What a lawyer takes if you hire one
New Jersey caps contingency fees in personal injury and similar injury claims on a sliding scale that shrinks as the recovery gets bigger. A lawyer cannot charge more than a third of the first $750,000 recovered, with lower percentages above that.
“an attorney shall not contract for, charge, or collect a contingent fee in excess of the following limits: (1) 33 1/3% on the first $750,000 recovered; (2) 30% on the next $750,000 recovered; (3) 25% on the next $750,000 recovered; (4) 20% on the next $750,000”
Sources on this page
Each one was opened and checked on September 17, 2026.
Know My Claim is not a law firm or a government agency, and this page is not legal advice. Laws change, so check the linked source before you rely on a deadline.