New Jersey
Your AI Accident Assistant for New Jersey.
We handle New Jersey property-damage claims end-to-end — body shop, rental, total loss, diminished value, loss-of-use, and recovery dollars.
How New Jersey treats your claim
- Total loss threshold
- Total Loss Formula (per-claim)
- Appraisal clause
- Available on request
- Diminished value (DV) recovery
- Recoverable
- Loss-of-use (extended rental)
- Recoverable as damages
- Statute of limitations
- 2 years
- Small claims cap
- $5,000
- Fault rule
- Modified 51% bar
- First-party PA license
- Not required for consumer DIY
Owner can choose.
Financial Services Vehicle Trust v. Panter, 458 N.J. Super. 244 (App. Div. 2019)
N.J.S.A. 17:22B-1 et seq. (Public Adjusters' Licensing Act, P.L. 1993 c.66); N.J.A.C. 11:1-37
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What Claimoe does for New Jersey claims
- · Drafts every adjuster email for your approval, with New Jersey-specific language and citations.
- · Calculates your diminished value using the 17c framework and Financial Services Vehicle Trust v. Panter, 458 N.J. Super. 244 (App. Div. 2019).
- · Tracks the 60-day appraisal-clause window and invokes it on your behalf when appropriate.
- · Files loss-of-use extensions if your rental cap expires before repair completes.
- · Watches your case 24/7 and only pings you when you need to decide.
Other states we cover
Drafted by AI · New Jersey rules summarized for general information; not legal advice. We update each state as carriers and legislatures change. Source citations linked from your case dashboard.