Who pays my medical bills after a car accident?

New Jersey is a no-fault auto insurance state. This means that regardless of fault, if you are injured in a car accident your insurance company should pay your medical bills. We say “should” because insurance companies are in the business of limiting their claim payouts and generally attempt to minimize the medical bills that they have to pay through a very complex medical treatment evaluation process. That topic will be the subject of a different blog entry. If you are injured in a car accident and you report that claim to your insurance company and you advise them that you are hurt, they will issue a “PIP application.” “PIP” is an acronym for person injury protection benefits. This is one of the mandatory coverages that all standard auto insurance policies issued in New Jersey must contain. New Jersey legislates the minimum coverages that insurance policies must contain and the PIP minimum is $15,000, but the standard policy contains $250,000 of PIP coverage.

Think about your last trip to the hospital. If you are hurt in a car accident, or one of your family members are injured, how much care do you think $15,000 buys?

If you are not a policyholder or a family member living with a policyholder, the issue of medical bill coverage is a bit more complicated. Call us for a free consultation.

Contact Us

If you have been injured because of the wrongful act of a doctor, nurse or other medical professional, our accident lawyers can help. For a free initial consultation, contact us by e-mail or call our offices, in New Brunswick at 732-247-3600 or in Somerville at 908-448-2560.