New Jersey car accident leads
Summit Leads supplies car accident leads in New Jersey, as in all U.S. states, by real-time ping/post, exclusive by default, with ZIP code filters. In New Jersey the claimant's own policy decides the right to sue for pain and suffering: the DOBI buyer's guide (2026) explains that the limited option applies by law when no choice was made.
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New Jersey facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance system | PIP on both the Standard and Basic Policy, plus a Limited or Unlimited Right to Sue election on the Standard Policy (DOBI buyer's guide, 2026)New Jersey Auto Insurance Buyer's Guide (2026 edition) New Jersey Department of Banking and Insurance |
| Standard Policy bodily injury minimum | $35,000 per person and $70,000 per accident (DOBI buyer's guide, 2026)New Jersey Auto Insurance Buyer's Guide (2026 edition) New Jersey Department of Banking and Insurance |
| Standard Policy property damage minimum | $25,000 per accident (DOBI buyer's guide, 2026)New Jersey Auto Insurance Buyer's Guide (2026 edition) New Jersey Department of Banking and Insurance |
| Standard Policy PIP range | As low as $15,000 per person or accident, as high as $250,000 or more (DOBI buyer's guide, 2026)New Jersey Auto Insurance Buyer's Guide (2026 edition) New Jersey Department of Banking and Insurance |
| PIP for certain injuries | Up to $250,000 for permanent or significant brain or spinal cord injury, disfigurement, or trauma center care, regardless of the selected limit (DOBI, as of 2026)Standard Auto Insurance Policy New Jersey Department of Banking and Insurance |
| PIP co-payment | 20 percent of medical expenses between the deductible and $5,000 (DOBI buyer's guide, 2026)New Jersey Auto Insurance Buyer's Guide (2026 edition) New Jersey Department of Banking and Insurance |
| Basic Policy | $5,000 property damage, $15,000 PIP, bodily injury liability optional at $10,000; includes the Limited Right to Sue (DOBI buyer's guide, 2026)New Jersey Auto Insurance Buyer's Guide (2026 edition) New Jersey Department of Banking and Insurance |
| Default lawsuit option | Limited Right to Sue is imposed by law when no choice is made on the coverage selection form (DOBI buyer's guide, 2026)New Jersey Auto Insurance Buyer's Guide (2026 edition) New Jersey Department of Banking and Insurance |
| Limited Right to Sue injury list | Loss of body part, significant disfigurement or scarring, displaced fracture, loss of a fetus, permanent injury, death (DOBI, as of 2026)Standard Auto Insurance Policy New Jersey Department of Banking and Insurance |
| Traffic fatalities | 605 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
New Jersey's right to sue election and what it does to a lead
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Long before a crash, each New Jersey policyholder makes a choice that shapes any later injury claim. The Department of Banking and Insurance buyer's guide (2026) explains that a Standard Policy holder must pick between two options. The Unlimited Right to Sue (the No Limitation on Lawsuit Option) keeps the right to sue the driver who caused the crash for pain and suffering for any injury. The Limited Right to Sue (the Limitation on Lawsuit Option) gives up that suit unless the injury is on a set list.
That list, as the DOBI Standard Policy page (2026) gives it, is loss of a body part, significant disfigurement or significant scarring, a displaced fracture, loss of a fetus, permanent injury and death. The guide adds that an injury is permanent when the body part or organ has not healed to function normally and will not with further treatment, based on objective medical proof. The election covers the policyholder and resident relatives without their own auto policy.
Two defaults push claimants toward the limited option. The guide warns that the Limited Right to Sue can be "imposed by law because no choice was made" on the coverage selection form, and the Basic Policy includes the Limited Right to Sue with no alternative. For a buyer, the lawsuit option and the policy type are two of the first fields a New Jersey lead needs.
Personal injury protection pays medical expenses whichever option was chosen. Per the buyer's guide (2026), Standard Policy PIP runs from as low as $15,000 per person or accident to $250,000 or more, and up to $250,000 is available for certain serious injuries regardless of the limit selected. The policyholder also pays a 20 percent co-payment on medical expenses between the deductible and $5,000.
Standard and Basic policy minimums in New Jersey
New Jersey sells two policy types with very different floors. On the Standard Policy, the DOBI buyer's guide (2026) lists bodily injury liability as low as $35,000 per person and $70,000 per accident, property damage liability as low as $25,000 per accident, and PIP as low as $15,000 per person or accident.
The Basic Policy, in the same 2026 buyer's guide, carries $5,000 in property damage liability and $15,000 in PIP per person, per accident. Bodily injury liability is not included; $10,000 for all persons per accident is available as an option. The Basic Policy comes with the Limited Right to Sue.
A Basic Policy driver who causes a crash may carry little or no bodily injury liability coverage, so buyers often ask the lead form to record the at-fault driver's insurer and policy type when the claimant knows it.
New Jersey traffic deaths, 2023
NHTSA's FARS state table (2023 data) lists 605 traffic fatalities in New Jersey in 2023. FARS counts only crashes in which someone died, not the injury crashes that most car accident leads come from.
What buyers in New Jersey filter on
In New Jersey the claimant's own policy carries as much weight as the crash itself. Common fields:
- Lawsuit option on the claimant's policy: Limited or Unlimited Right to Sue, or unknown.
- Policy type: Standard or Basic, since the Basic Policy carries the limited option.
- Injury and treatment: fracture type, imaging and continuing care, matched against the limited option's injury list.
- Accident date: how recent the crash is.
- Fault answers: citations, point of impact and statements at the scene.
- Representation status: claimants who already have a lawyer are removed.
- ZIP code: buyers pick the ZIP codes their firms cover.
Where buyers filter in New Jersey
Several of New Jersey's metro areas cross into New York or Pennsylvania, so population figures for those cover the whole metro area, not only its New Jersey counties. The six largest metropolitan areas with New Jersey counties, by the Census Bureau's July 1, 2025 estimates, are below. Buyers can take any mix of New Jersey ZIP codes inside or outside them.
- New York-Newark-Jersey City, NY-NJ: 20,112,448 (July 1, 2025 estimate, whole metro area)
- Philadelphia-Camden-Wilmington, PA-NJ-DE-MD: 6,329,118 (July 1, 2025 estimate, whole metro area)
- Trenton-Princeton: 399,289 (July 1, 2025 estimate)
- Atlantic City-Hammonton: 372,047 (July 1, 2025 estimate)
- Vineland: 157,148 (July 1, 2025 estimate)
- Allentown-Bethlehem-Easton, PA-NJ: 887,615 (July 1, 2025 estimate, whole metro area)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for New Jersey car accident leads
A TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record travels with each New Jersey car accident lead. New Jersey's line in the state telemarketing laws table covers its state calling rules, and leads in New Jersey covers MVA and home improvement buying in the state on one page.
New Jersey car accident lead questions
What happens if a New Jersey driver never picked a lawsuit option?
The DOBI buyer's guide (2026) explains that the Limited Right to Sue is imposed by law when no choice was made on the coverage selection form. This is general information, not legal advice.
How is a New Jersey Basic Policy different for an injury claim?
Per the DOBI buyer's guide (2026), the Basic Policy has $15,000 in PIP and $5,000 in property damage liability, includes bodily injury liability only as a $10,000 option, and comes with the Limited Right to Sue.
Can PIP in New Jersey pay more than the limit the policyholder chose?
For certain injuries, yes. DOBI (2026) says up to $250,000 is available for permanent or significant brain or spinal cord injury, disfigurement, or trauma center treatment, regardless of the selected limit.
Can New Jersey car accident leads be limited to South Jersey ZIP codes?
Yes. Buyers set filters to the ZIP code, so a campaign can cover Camden, Atlantic and Cumberland county ZIP codes and leave North Jersey out. Leads are exclusive by default, with shared delivery on request.
Request New Jersey car accident leads
Email us the New Jersey ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
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- MVA and home improvement leads are exclusive by default: each lead is sold to one buyer.
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