FREE CONSULTATIONS 856.983.8695

I was driving my car in NJ to make a delivery to a customer. I was t-boned at an intersection and the other driver was at fault. Do both my car insurance and workers’ compensation pay for my medical expenses?

Philip Ciprietti, NJ Car & Truck Accident Lawyer

Philip Ciprietti offers clients a genuine interest in their well-being and success and places clients’ interests first in all matters. Since 1982, Mr. Ciprietti has been certified by the NJ Supreme Court as a Certified Civil Trial Attorney.

Review: "His commitment and his willingness to go the extra mile, to fight hard for you make Phil an outstanding attorney. He is the one you want on your side." Read more testimonials.

No they do not. Because your car accident happened while you were making a delivery during your employment, workers’ compensation actually comes first before your car insurance. Therefore, workers’ compensation is going to be responsible for your medical expenses, and not the medical benefits under your car insurance. However, you must seek medical treatment from medical doctors approved by your employer’s workers’ compensation insurance company. Therefore, it is important to notify your employer immediately after the accident so you may seek treatment by an approved doctor.

Suggested Reading: Who Pays for Your Medical Expenses if You Were Injured in a NJ Car or Truck Accident During Your Employment

In addition to filing a workers’ compensation claim, which covers your medical expenses, you may also recover damages from the driver at fault.

If your NJ car insurance policy has “no limitation on lawsuit,” then you will be able to sue for economic and non-economic damages.

Economic damages may include:

  • medical expenses, past and future;
  • wage loss, past and future; or
  • other out-of-pocket expenses.

Pain and suffering damages are considered non-economic damages.

On the other hand, if you have “limitation on lawsuit” or “verbal threshold” on your NJ car insurance policy, then you may only file a lawsuit against the at fault driver if your injuries fall within certain injury categories set forth by New Jersey Statutes Annotated Section 39:6A-8a.  To learn more about exceptions to “verbal threshold,” click here to see New Jersey Car Accidents & Verbal Threshold – Can Injured Car Accident Victims Recover Damages? (Part 1).

Under the statute, if you have a displaced fracture, you may file a lawsuit against the negligent driver even if you have “verbal threshold.”

In order to ensure you receive the maximum recovery you are entitled to as a result of the car accident, it is important to talk to a qualified NJ car accident lawyer who knows all the intricacies of NJ car accident law.

Related NJ Car Accident Case Result Obtained By Mr. Ciprietti: NJ Car accident case result on Garden State Expressway

Help After a NJ Car Accident that Happens While at Work.  Free Consultations. 800.281.8695

Philip Ciprietti has been helping injured victims for over 35 years and has helped many car, bus and truck accident victims in NJ. If you were injured in a car, truck or bus accident on the NJ Turnpike, AC Expressway or other New Jersey highways, feel free to contact Phil T. Ciprietti, Esquire for a free initial consultation. 800.281.8695

*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.

Car Accident Law Articles

New Jersey Pedestrian-Car Accident Lawsuits: Parties Other than Negligent Drivers may be Responsible

In a typical South Jersey accident and injury lawsuit, such as a car accident case in Marlton or Cherry Hill, an injured driver/passenger will take the at fault driver to court. However, many people injured in car accidents in NJ are often surprised to learn that a...

Factors That Affect the Value of Your NJ Car Accident Case (Part 2)

When injured victims file personal injury lawsuits in NJ after their car accidents in Cherry Hill, Marlton or Camden, they often want to know what their cases are worth and how much they may be able to recover. Unfortunately, there is no definitive answer. There is no...

Factors That Affect the Value of Your NJ Car Accident Case (Part 1)

When NJ drivers/passengers are injured in car accidents in Cherry Hill, Marlton or Camden, they may contemplate bringing car accident lawsuits in New Jersey against the at fault drivers. In a NJ car accident lawsuit, the plaintiff or injured party may recover the...

What is Extended Medical Expense Coverage (Non-PIP)?

When NJ drivers buy automobile insurance policies for their cars or trucks, there are different types of coverage options they can purchase. Two of the mandatory coverage options in a NJ standard auto policy are: first party benefits or PIP coverage; and liability...

New Jersey Pedestrian/Car Accidents: Damages Pedestrians Can Recover

According to the New Jersey Division of Highway Traffic Safety, a disproportionate number of New Jersey pedestrians are hurt/killed by cars and trucks when compared to the nation as a whole. *Source: www.nj.gov Prior to April 2010, NJ car and truck drivers only needed...

FREE CONSULTATIONS

    Spam:  

    *No attorney-client relationship is created by use of this email form. Do not email confidential or time-sensitive information. Call the firm for immediate assistance.

    OUR OFFICE

    79 S. Maple Avenue
    Marlton, NJ 08053
    Phone: 856.983.8695
    Fax: 856.983.0015
    Toll Free: 800.281.8695

    Google Map/Directions