It depends. NJ car accident law regarding medical bills and expenses is complex and often confusing. New Jersey is a no-fault state. This means injured drivers, even if they were not at fault for causing the motor vehicle accident, will make medical benefits claims, or PIP claims, under their car insurance policies. This principle applies to passengers who have their own car insurance policies. Therefore, if injured passengers own cars and have car insurance policies for their cars, they too will make PIP claims with their car insurance companies even though they were just passengers.
In your situation, if you own a motor vehicle, i.e., car, truck, jeep or minivan, you would have to make a PIP claim with your own car insurance company.
Getting Car Accident Medical Bills Paid in NJ – Levels of Coverage
If you do not own a vehicle, then we go to the next level of coverage that may apply. We would look to see if any of the relatives you live with in your household have applicable car insurance policies. If so, then you would make a PIP claim with a family member’s car insurance company. Thus, if you live with your parents who have a car insurance policy for their car, you would file a PIP claim with your parents’ car insurance company. Although it may seem strange since your parents were not even involved in the car accident, that is how NJ car accident law works.
If you do not own a vehicle, and no other family members own vehicles, the next place to look for coverage is the vehicle you were in when the accident happened. Therefore, you would make a PIP claim with your friend’s car insurance company.
It is important to note that PIP coverage is paid up to the limit purchased by the insured car driver. There may be times that the limit is exhausted. In that situation, you may be able to recover your out of pocket medical expenses from the driver who caused the accident.
You may also be able to bring a NJ car accident lawsuit against the at-fault driver for other damages such as pain and suffering, lost wages, etc. depending on your injuries and the type of car insurance policy you have.
Trying to determine no-fault coverage or PIP coverage and whether you can file an auto accident lawsuit can be very confusing. It is advisable to consult with a NJ personal injury lawyer who knows NJ car accident law.
For more information about NJ car accidents and lawsuits in Cherry Hill, Marlton, Camden, see NJ Car Accident Law – Who Pays for Your Medical Expenses?
Help After a Car, Truck or Bus Accident in Cherry Hill, Marlton and Camden. 800.281.8695
Victims and their families are often overwhelmed after serious motor vehicle accidents. Feel free to contact Phil T. Ciprietti, Esquire for a free initial consultation. 800.281.8695. Phil has been helping injured NJ car accident drivers and passengers for over 35 years.
*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.