MVA Retainers in New Jersey

This page explains what a delivered New Jersey case actually contains, how the screening works under New Jersey law, what the replacement protection covers, and how to check a delivered case in its first 14 days.

New Jersey accident law facts behind our screening

• Filing deadline: 2 years from the date of injury for personal injury claims (N.J.S.A. 2A:14-2). Personal injury protection benefit claims carry their own 2-year limitation.
• Fault system: Choice no-fault, not simply no-fault. Every policy must include personal injury protection, described in words only here, which pays the insured’s own medical expenses regardless of fault. Drivers with a standard policy choose between a limited right to sue option and an unlimited right to sue option. The limited option allows a lawsuit for pain and suffering only if the injury meets the statutory threshold, such as permanent injury, displaced fracture, significant disfigurement or scarring, loss of a body part, loss of a fetus, or death. The low-cost Basic Policy is different, carrying lower personal injury protection and property damage coverage with bodily injury liability optional, described in words only here.
• Negligence rule: Modified comparative negligence with a 51% bar (N.J.S.A. 2A:15-5.1): a claimant recovers if their negligence was not greater than the negligence of the defendant, or the combined negligence of all defendants. Damages are reduced by the claimant’s percentage of fault. A claimant who is 51% or more at fault recovers nothing. Recovery is still allowed at exactly 50% fault, reduced by half.
• Minimum insurance: For a standard policy, 35/70/25 liability coverage is the New Jersey floor: $35,000 per person, $70,000 per accident, and $25,000 for property damage, for policies issued or renewed on or after January 1, 2026. Limits rose to 25/50/25 on January 1, 2023, then to the current level in 2026 under P.L. 2022, c.87, so the policy date is part of the screen and older policies may still carry the earlier limits, shown here without dollar signs in this historical note only. Uninsured and underinsured motorist minimums match the bodily injury minimums.

What a delivered New Jersey case includes

• A signed retainer agreement, on your firm’s own paperwork
• A client screened against your criteria: accident within the last year, fault position established against the 51% bar, lawsuit option confirmed, policy type confirmed, injuries confirmed, treatment started or scheduled, insurance verified on both sides, no prior attorney
• The intake record and consent documentation for the file
• English or Spanish speaking clients, matched to what your firm can handle

In plain terms, a delivered case file looks like this (sample, with details changed):

Sample delivered case, Newark, New Jersey. Accident: rear-end collision on a city street, 3 weeks before delivery. Client: driver, not at fault, unlimited right to sue election, standard policy. Injuries: neck and back pain, seen at an emergency room the same day, physical therapy scheduled. Insurance: at-fault driver’s policy confirmed, limits verified, client’s own personal injury protection and uninsured and underinsured motorist coverage checked as actually carried. Prior attorney: none. Status: retainer signed on the buying firm’s own agreement, consent record attached, client confirmed reachable by phone.

Your firm’s first job on delivery is the 14-day verification checklist below, not intake. The signing already happened.

How pricing works

New Jersey retainers are priced as a flat fee per signed case, set for New Jersey against your criteria and markets, and quoted before you commit to anything. The fee is never a percentage of your recovery. There are no contracts and no minimum term. If a delivered case fails the criteria you agreed with us, or the client turns out to be unreachable, tell us within 14 days and we replace it.

Why flat fee and never a percentage: your firm keeps its fee arrangement clean. We are paid for delivering a signed case that meets your criteria, the same way every time, and we never share in the settlement. That keeps the engagement simple for your firm, your client, and anyone who ever reviews the file.

The math to run before you buy: take your average fee on a settled New Jersey MVA case and decide what share of it you can spend to acquire a signed case. That figure is your ceiling. A signed retainer program works when the flat fee sits comfortably under that ceiling and the cases meet criteria, because your intake cost per signing drops to the time it takes to verify a file instead of the weeks it takes to chase leads. If you currently buy leads, compare the retainer fee with your true cost per signed case from leads, including your intake team’s hours. Most firms that run both numbers honestly find the comparison closer than they expected, with far less work on the retainer side.

How it works

1. You set the criteria. Case types, fault position, lawsuit option, treatment requirements, and the New Jersey markets you want covered.

2. We run the campaigns and the intake. Advertising, screening, and signing happen under your criteria and on your agreement.

3. Signed cases are delivered to your firm. Your team picks up a file that is ready to work, not a name to chase.

4. Your first 14 days are protected. Verify each case against the checklist below. Anything that fails gets replaced.

If your firm prefers to run its own intake on screened leads instead, see our MVA leads in New Jersey page.

What the 14-day replacement covers

Replacement protection exists so your firm never pays for a case that was not what we said it was. It covers a delivered case that:

• Fails the case criteria you agreed with us (fault position, lawsuit option, policy type, accident age, injury or treatment status)
• Turns out to be unreachable after genuine attempts
• Was already represented by another attorney
• Does not match the insurance position described at delivery

It does not cover a case that simply settles for less than hoped, or a client who later stops treatment against advice. Those are case outcomes, not delivery defects, and no honest provider can insure them. Report a problem inside the 14 days, with what you found, and the case is replaced.

Your first-14-days verification checklist

Run this on every delivered New Jersey case. It takes minutes per file and it is what the replacement window is for.

• Signed retainer agreement in hand, on your firm’s paperwork, with the client’s details matching the delivery
• Client reached by phone and confirms the accident, the injuries, and that they signed with your firm
• Accident date inside your criteria and well inside the New Jersey 2 years deadline
• Fault position as described at delivery, checked against the crash details, including the 51% bar
• Lawsuit option as described at delivery, and for limited right to sue clients, the injury threshold position checked against treatment records
• Policy type and policy date as described at delivery, with the applicable limits checked accordingly
• Treatment started or scheduled as described
• Insurance position as described, for both the client and the at-fault driver, including the client’s own personal injury protection and any uninsured or underinsured motorist coverage actually carried
• No prior attorney anywhere in the picture

Anything that fails: document it and tell us inside the 14 days. That is the whole process.

Consent and compliance, in plain terms

Every case starts with a person who asked for help after an accident. The intake record and consent documentation travel with the delivered file, so your firm can see how the client was contacted and what they agreed to. Clients sign your firm’s own retainer agreement, so the attorney-client relationship is directly between your firm and the client from the first signature. We are a marketing and intake provider. We do not practice law, we do not advise your clients on their claims, and we never take a share of any fee.

How to spot a bad retainer provider

New Jersey firms get pitched signed cases constantly. These are the tells:

• Percentage pricing. A provider who wants a cut of your fee has a different business from yours, and a messier one.
• Their agreement, not yours. If the client signs the provider’s paperwork instead of your firm’s retainer, ask hard questions about who the client thinks their lawyer is.
• No replacement terms in writing. Verbal promises about bad cases are worth exactly what they cost you when a case goes bad.
• No screening detail. A provider who cannot explain exactly how fault, lawsuit option, policy type, treatment, and insurance are verified is selling you names, not signed cases.
• Pressure to skip verification. Any provider who minds you checking delivered cases in the first 14 days is telling you what you will find.

New Jersey markets we cover

We deliver signed cases across New Jersey, led by Newark, with Jersey City, Paterson, Lakewood Township, Elizabeth, and Trenton as the other main markets. Set the map and we build to it. Metro volume signs faster and costs more to generate. Mid-size markets deliver steadier files at a calmer pace. Many firms run both.

FAQs

Start with New Jersey signed cases

Set your criteria and markets and we will quote your first New Jersey cases. Reach us through our contact page, or read the full national program on our MVA retainers page.