Sep 262013
 

Car and truck accidents occur frequently on NJ roadways.  As a result, drivers and passengers can sustain serious or catastrophic injuries.  A question that injured car accident victims always worry about is “who is going to pay for my medical expenses?” They don’t know if the at fault driver’s car insurance is going to pay for the medical bills or if their own health insurance policies would pay for the medical bills.  The answer is neither.

The reason is because New Jersey is a no-fault state.  What that means is regardless of who caused the NJ car or truck accident, injured victims make a PIP (personal injury protection) claim with their own car insurance companies.  Therefore, if you were injured in a car accident on the New Jersey Turnpike because another car hit you from behind, you would make a PIP claim with your own car insurance company.

Suggested Reading: Injured in a NJ Car Accident? – The Basics of Medical Benefit (PIP) Claims

Injured in a NJ Car or Truck Accident During Work–Who Pays for Medical Bills?

For drivers and passengers who are injured in car accidents while working, New Jersey car accident medical bill law (PIP) would not apply.  Workers’ Compensation actually comes before PIP and is primarily responsible for the injured drivers or passengers’ medical bills.

Therefore, all necessary and reasonable medical treatment, hospitalization, prescription and other treatments related to the car accident would be paid by the employer’s NJ Workers’ Compensation insurance company.

Examples of this situation are:

  • drivers making a delivery for the company,
  • drivers running an errand for the company, i.e., going to a bank,
  • shuttle bus drivers driving hotel guests to the airport, or
  • employees driving to an employer-mandated conference.

In all of these above situations, Workers’ Compensation would pay for the drivers’ medical bills and expenses because the car accidents happened while they were working.  However, injured victims would need to go to authorized medical providers approved by the employer’s Workers’ Compensation insurance company.  They cannot go to their own family doctor or orthopedic doctor for treatment.  Therefore, it is important to immediately inform your employer after a car or truck accident and get the names of the medical providers you can seek treatment with.

For many injured car or bus accident victims, trying to figure out where to file a medical claim can be daunting.  Not all medical expenses from a car accident quality for PIP.  Therefore, it is advisable that you speak to a NJ car accident lawyer who is experienced in handling car and truck accident cases.

New Jersey Car and Truck Accident Lawyer with Over 35 Years of Experience. Free Consultations

If you were in a NJ car or bus accident during your employment, feel free to contact Phil T. Ciprietti, Esquire for a free initial consultation.  800.281.8695

Mr. Ciprietti places the interests of his clients first in all matters.

In addition to helping residents of New Jersey in all types of accident cases, Mr. Ciprietti also represents residents of other states such as Pennsylvania, New York, Maryland, and Virginia who are injured in car, truck or bus accidents while driving on New Jersey roadways such as, the NJ Turnpike, AC Expressway, Interstate 295 or the Garden State Parkway.

*Disclaimer: Every case is unique and you should not take any action or make decisions in your case without speaking to a qualified car and truck accident lawyer in New Jersey. This website page does not provide legal advice or create an attorney-client relationship. Use of the contact form on this website or emailing Mr. Ciprietti does not create any attorney-client relationship. In addition, confidential information should not be sent through the contact form.