FREE CONSULTATIONS 856.983.8695

Who Pays for a Pedestrian’s Medical Bills After Getting Hit By a Car or Truck in South Jersey?

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.

Motor vehicle accidents happen quite often in New Jersey, including cities like Camden, Marlton and Cherry Hill.  One type of accident is a pedestrian-motor vehicle accident where the pedestrian is hit by a car, bus or truck.

According to New Jersey State Police, 131 pedestrians died after a pedestrian car, bus or truck accident in 2013.  In addition, many pedestrians who survive the motor vehicle accident in NJ are seriously injured.  Serious injuries require extensive medical treatments.

Who pays for an injured pedestrian’s medical bills in New Jersey?  The answer depends on whether the pedestrian has his/her own car insurance or an applicable car insurance policy.

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

Pedestrian Has an Auto Insurance Policy

If injured pedestrians have their own car insurance policies, their medical expenses are covered by their own car insurance policies’ medical coverage.  This is often called PIP coverage.  New Jersey is a no-fault state; regardless of who caused the car accident, the injured passenger/driver’s own car insurance will pay for the medical benefits.  Though an injured policy holder was not physically in a car when the pedestrian-car accident happened, his car insurance policy will pay for the medical expenses incurred as a result of the accident.

Therefore, when injured pedestrians are transported to the hospital after an accident in Cherry Hill, Camden or Marlton, NJ, they need to present their car insurance information and not their health insurance cards.

Pedestrian Does Not Have an Auto Insurance Policy, but Other Applicable Policies Available

If injured pedestrians do not have their own car insurance policies, their medical expenses may be covered by other applicable insurance policies.  If the pedestrian lives with his parents and is a member of the household, then he is covered under his parents’ car insurance policy as a household member, even though he is not the primary insured.  Therefore, his medical expenses are covered by his parents’ PIP coverage in the auto policy.

Pedestrian Does Not Have Any Applicable Insurance Policies

If injured pedestrians do not have their own auto policies or are not covered under any applicable auto policies, then negligent drivers’ PIP coverage would pay for the pedestrians’ medical expenses.

This above order of medical coverage cannot be changed.  It doesn’t seem to make sense to many injured pedestrians, but that is unfortunately the law in New Jersey.

Of course, there are other scenarios, such as what happens if the pedestrian was hit by a car in New Jersey while he was working.  In that situation, workers’ compensation applies.  For more information about workers’ compensation claims after a NJ car accident, see Who Pays for Your Medical Expenses if You Were Injured in a NJ Car or Truck Accident During Your Employment.

Talk to a NJ Pedestrian Car Accident Lawyer

If you were hit by a car in Cherry Hill, Camden or Marlton, NJ and would like to know your legal rights, call Philip T. Ciprietti at 800.281.8695.  Mr. Ciprietti has been helping injured victims for over 35 years.

Car Accident Law Articles

Review of Phil Ciprietti (Oct. 2022)

"I would highly recommend Phil; he always kept me up to date on my personal injury case and fought hard to get me the best settlement, easing my anxieties along the way.  I trust him and would recommend him to family and friends needing legal services.  Phil and his...

NJ Car-Bicycle Accidents – Who Pays for Injured Cyclists’ Medical Expenses?

In the summer, many NJ bicyclists are severely injured in auto accidents as the result of the drivers' negligence. Bicyclists may be hit by all types of motor vehicles, i.e., cars, trucks, mini-vans and buses. Other than helmets which provide some protection from...

New Jersey Car Accidents & Verbal Threshold – Can Injured Car Accident Victims Recover Damages? (Part 1)

Under New Jersey's Automobile Insurance Cost Reduction Act (AICRA), drivers buying car insurance policies choose between “no limitation on lawsuit” and “limitation on lawsuit.” “No limitation on lawsuit” gives the insured the unlimited right to sue in the event of a...

How Your Car Insurance Policy Affects Your Legal Rights To Financial Recovery After A NJ Car Accident

When a NJ driver purchases a new or used car for the first time, he/she has to buy a car insurance policy.  In most cases, it is probably the driver’s first time dealing with a car insurance company.  During the process, the driver buys the car insurance, but probably...

Liable Parties in a NJ Truck Accident – At-Fault Drivers and Their Employers (Part 2)

In general, a driver who causes a NJ car or truck accident is the sole party responsible, and the driver is also the only party named as a defendant in a NJ car or truck accident lawsuit. However, as part 1 of this article discussed, in situations where the at-fault...

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