Time limits apply in New Jersey. Find out if you still qualify.
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Verified against court records, regulatory records, and peer-reviewed research.
Last reviewed against primary sources: June 12, 2026
Statute of Limitations
New Jersey imposes a 2-year statute of limitations for personal injury claims under NJSA 2A:14-2. The state is a no-fault insurance state with mandatory $15,000 PIP coverage. Drivers must choose between "limitation on lawsuit" (verbal threshold — can only sue for pain and suffering if injury is permanent) or "no limitation on lawsuit" (full right to sue). Modified comparative negligence with a 51% bar applies. Minimum liability coverage is 15/30/5.
2 years from accident date
Exposure in New Jersey
Source: NJ DOT 2024
Source: Insurance industry data
Source: NHTSA FARS 2024