One of the things that clients worry about is medical bill payment when they are involved in a car accident. Medical expenses can add up depending on the severity of your injuries whether it be because of doctor’s appointments, surgeries or physical therapy rehabilitation. Those concerns are only escalated when they don’t have medical insurance coverage. Fortunately, most automobile policies provide for something known as no-fault or personal injury protection. What that means is that regardless of who is at fault for the accident, the automobile insurance carrier will pay your medical bills. This is true even if you are entirely responsible for causing the accident. You can still have your medical bills paid through your no-fault insurance policy. In addition to that, no fault will also provide some type of limited lost wage as well as household help if you need that as well.
If the other person’s insurance does not provide you with enough coverage to compensate you for your injuries. If you are injured in a car accident and you don’t own a car, the insurance company of whichever relatives that you live with will pay your medical bills. If the car that you were in while you were injured does not have insurance, there is a state fund in New Jersey that will cover your medical expenses. If you do own a car but you are not in that car at the time of your accident, your own insurance will pay your medical bills.
If you are in need of experienced legal counsel in New Jersey, please contact Tomes Law Firm, PC and we will be happy to assist you.