How Will I Pay My Medical Bills After An Automobile Accident?
For most clients, a primary concern after a motor vehicle accident is how they will pay medical bills. As a no-fault state, New Jersey’s process paying medical bills is complicated. Fortunately, I have over 35 years of experience in this area, and I am ready to explain your options. From my law office in Livingston, I serve clients in Essex County and across New Jersey.
No-Fault Medical Benefits In New Jersey Are Limited
No-fault insurance in New Jersey includes personal injury protection, or PIP, to pay your medical bills regardless of who was at fault. There are many no-fault options available, and some provide more coverage than others. I offer a free consultation to review your insurance and explain what is covered.
If you have suffered a serious injury, PIP alone will not be enough to pay your medical bills. If another driver caused the accident that resulted in your injuries, you may have the right to obtain additional compensation through our civil justice system. The other driver’s insurance company, however, will not pay anything until your case is resolved by settlement or verdict. Until then, the following options may be available to you:
- Private insurance
- Employers’ group insurance
- A private doctor, in exchange for a lien on your recovery from a personal injury lawsuit
It’s important to receive medical care for two reasons. The first reason is to recover your health. Secondly, the insurance company of the other driver will not believe you were injured unless you have medical records to prove it.
Please be aware that the insurer that pays for your medical care may expect reimbursement of your medical expenses when your case is resolved by settlement or verdict. As your attorney, I will negotiate with the insurance company and your medical providers so you can keep as much of the amount paid by the other driver as possible.