Automobile Insurance continues to be the subject of lawsuits in New Jersey. Recently the State Supreme Court decided the case of Haines v Taft, which raises a red flag to which all NJ drivers should pay attention. By way of background, New Jersey is what is called a "no fault" state for auto insurance. This means that you have the RIGHT to have your reasonable and necessary medical bills paid by your own insurance company according to a fee schedule immediately after an accident, no matter who or what caused it; you do not have to wait to prove that someone was at fault.