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Is New Jersey a no-fault state?

I live in New Jersey and was involved in a fender bender last week. It was my fault. Will I have to pay for the other driver’s damages or does their insurance pay?

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Melanie Johnson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear you were involved in an accident! New Jersey is a no-fault state. But, despite its name, this doesn’t mean that no blame is assigned in an accident.
Here are the differences between an at-fault and no-fault state:
  • In an at-fault state, or a tort state, the driver who caused the accident pays for the other driver’s damages that resulted from the collision.
  • In a no-fault state, drivers turn to their respective insurers for compensation for medical expenses resulting from an accident, but the at-fault driver is usually still on the hook for paying for the other driver’s property damage.
New Jersey is one of twelve no-fault states. The rest are:
  • Florida
  • Hawaii
  • Kansas
  • Kentucky
  • Massachusetts
  • Michigan
  • Minnesota
  • New York
  • North Dakota
  • Pennsylvania
  • Utah
An at-fault accident will undoubtedly increase your
New Jersey car insurance costs
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