FREE CONSULTATIONS 856.983.8695

NJ Car Accident Law – Who Pays for Your 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.

NJ drivers and passengers who are injured in car, truck or bus accidents in Southern Jersey, such as Cherry Hill, Marlton and Camden are often confused as to whose car insurance company pays for their medical expenses. In fact, the first question an individual injured in a car accident in Cherry Hill often has is, “who pays for my medical bills?”

NJ Drivers Injured in Cherry Hill, Marlton & Camden Car Accidents

If a NJ driver is injured in a car accident caused by another negligent driver, the injured driver’s own car insurance company will pay for his/her injuries.  This may seem counterintuitive; however, it is New Jersey’s car accident law.  New Jersey is a no fault state.  This means that regardless of who caused the car or truck accident, the injured driver makes a medical benefits claim, also known as a PIP claim, with his/her own car insurance company.  Therefore, when injured drivers seek medical treatment, they should submit their car insurance information to their medical providers.

NJ Passengers Injured in Cherry Hill, Marlton & Camden Car Accidents

Passengers injured in car accidents will also make PIP claims with their car insurance companies, if they own a vehicle.  They do not make PIP claims with the drivers’ car insurance companies.

What happens if the passengers do not own a vehicle?  In that situation, they have to look to the car insurance policies of any relatives they live with who own a car.

If a passenger was riding in her friend’s car, got injured in a car accident and does not own a car, she would need to file a PIP claim with the car insurance company of a relative that she lives with, such as her father or brother.  Injured passengers in this situation often wonder, “What does my father’s car insurance have to do with this accident? I was in my friend’s car. Why should my father’s car insurance company have to get involved?”

These are legitimate and logical questions.  However, as odd as it may seem, if injured passengers do not own cars, they look to their relatives’ car insurance policies to file PIP claims, so long as they live with the relatives.  The relative can be a parent, son, daughter, sister, brother, etc.

Who Pays Medical Expenses in Other NJ Car Accident Situations

NJ drivers may also be injured in car accidents during the course and scope of their employment.  In this situation, they would not file PIP claims with their own car insurance companies.  Instead, workers’ compensation would cover the medical expenses that result from the car accident.

For example, if a UPS truck driver was in an auto accident with another vehicle and was seriously injured, rather than file a PIP claim with his own car insurance, he would file a worker’s compensation claim.  In New Jersey, if workers are injured while they are at work, their medical expenses are covered by their employers’ workers’ compensation insurance company.  This includes car and truck accidents.

Determining which insurance company pays for injured drivers and passengers’ medical bills after a NJ car, truck or bus accident can be very complex.  Therefore, it is imperative that injured NJ drivers/passengers speak to an experienced car, truck and bus accident lawyer.

Related New Jersey Car Accident and Injury Legal Articles

HELP AFTER A NJ CAR ACCIDENT IN CHERRY HILL, MARLTON OR CAMDEN.  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 in Cherry Hill, Marlton or Camden, 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

NJ Commercial Vehicle Accident Law – What are Injured Passengers’ Legal Rights?

Last week, there was a serious tractor-trailer and bus accident on the New Jersey Turnpike. It happened on Wednesday morning when a tractor-trailer switched lanes and struck the NJ Transit bus from behind. There were sixty-one passengers on the bus. As a result of the...

Recovering Medical Expenses after Suffering an Injury in a NJ Bus Accident (Part 1)

Whether it is going to work, a mall, or a grocery store, many NJ residents take public transportation every day, like NJ Transit, Megabus, or Greyhound.  However, bus accidents also happen and passengers can get seriously injured.  After a bus accident in NJ, many...

South New Jersey Car Accident Injury Lawyer Discusses Common Injuries After NJ Car or Truck Accidents

Motor vehicle accidents happen every day across the country.  New Jersey is no exception; every day, there are media reports of car, bus, truck or pedestrian-car accidents on NJ’s roadways.  Auto accidents often result serious injuries. Also see NJ Car Accident...

NJ Car Accident Law: Even with Medical Benefits Coverage, Injured Drivers Still Have to Pay Out of Pocket Medical Expenses

NJ car accident and insurance laws can be quite confusing. There are 2 things that many NJ drivers are mistaken about with regard to their medical benefits (PIP) coverage and expenses which will be addressed in this article: 1. Who pays for the medical bills after a...

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...

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