Personal Injury Blog

Who Pays the Medical Bills After an Auto Accident in New Jersey?

You’ve been in a car accident. You sustained injuries. You assume – since the accident wasn’t your fault – that the other driver’s insurance company will cover your medical bills. Not in New Jersey.

New Jersey’s Personal Injury Protection (PIP) insurance

The state of New Jersey requires insurance companies to provide Personal Injury Protection (PIP) insurance coverage. Regardless of who is at fault for the car accident, the PIP insurance covers medical expenses that are the result of the crash. Drivers may purchase PIP coverage through their automobile insurance policy and may choose how much PIP insurance coverage they would like to purchase. Because medical bills resulting from a car accident can be significant — particularly if the accident is serious — drivers may opt to purchase more than the minimum coverage to avoid having to pay the balance of the bills once the insurance is applied.

PIP covers more than the driver

New Jersey’s Personal Injury Protection (PIP) insurance covers more than just the driver of the vehicle. PIP insurance may cover other family members who live with you who do not own their own vehicle and who were injured in a car accident, even if they were not in your car at the time of the accident. Medical coverage may also provide coverage to passengers in your car at the time of the accident, provided they do not have their own vehicle and they do not reside with an individual who has PIP coverage.

Medical expenses can mount quickly after an automobile accident

When you have been injured in an automobile accident, your medical expenses can mount quickly. In addition to doctor bills, you may incur costs for any of the following, and more:

  • Ambulatory services
  • Hospital stays
  • Physician bills
  • Diagnostic tests
  • MRIs and other scans
  • Physical therapy
  • Rehabilitation
  • Surgery
  • Lab work
  • Long-term medical treatment

The cost of motor vehicle accident injuries continues to climb. In fact, a recent study by the Insurance Research Council (IRC) shows that, over a nine year period, these costs have grown by 26 percent for personal injury protection (PIP) no-fault claims.

We recover just compensation for your medical bills

Some car accidents are fairly minor; others are more serious. But one thing remains true for both – medical bills can mount quickly, regardless of the severity of the injuries sustained. At Leonard Legal Group, we understand the financial strain of unpaid medical bills and the stress that comes with it. Our Morristown personal injury attorneys are knowledgeable, skilled, and experienced at handling all types of accident claims. We recover just compensation for your medical bills so that you can get back to living your life. Our team is available to meet with you to discuss your accident claim, answer your questions, and evaluate the available legal options. Schedule a confidential consultation with our personal injury team by contacting our office at 973-984-1414 or online.