The fine print is where insurance companies hide. We live there.

On April 17, 2026, DOP partner James Barry, Esq. received final court approval of another class action settlement in New Jersey Superior Court, Middlesex County on behalf of insureds of against individuals who were shortchanged on their policies. We represented over 500 policyholders against Travelers Indemnity Company and St. Paul Protective Insurance Company.

Here's what happened.

New Jersey law requires that insurers selling standard automobile policies provide Personal Injury Protection (PIP) benefits in specific amounts. This is the coverage that pays your medical bills after an accident, regardless of who caused the accident. As alleged in the complaint, Travelers was subtracting deductibles and co-pays from the total PIP limit and telling policyholders that their policies were exhausted before
Travelers had paid the full policy limits that they had sold to policyholders. That meant policyholders were getting less coverage than they had paid for.
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Here's what class members receive in the approved settlement: Each of the approximate 500 class members will automatically receive an automatic
payment of $70. They can also file a claim for a total of up to 80% of any PIP reduction caused by those improper deductions – ranging from approximately $960 to $2,400. Insurance companies have a legal obligation to deliver what they promise and what the law requires.

Your policy should do what it promises.
If you're not sure it does, reach out. We'll take a look.

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