Car, truck and bus accident victims often feel like they are stuck in a maze after the accident. Handling calls from different insurance adjusters, filling out various insurance forms and juggling doctors' visits are certainly stressful, and once the medical bills start coming in, the situation can feel overwhelming.
Many people who are injured in an auto accident in New Jersey, whether it be a car, truck or bus accident, are often confused and misinformed about how medical bills get paid. Many believe that medical bills are paid by whoever caused the accident. This simply is not the case.
New Jersey is a no fault state, like Pennsylvania. Medical bills are paid by a driver's own car insurance policy, regardless of fault. So if two drivers are in an accident and both need medical care, they will make a claim for medical or PIP (personal injury protection) benefits under their respective car insurance policies. New Jersey requires that standard car insurance policies provide up to $250,000 of medical benefits coverage.
One of the drawbacks of the PIP scheme is the mandatory deductible/co-pay schedule. Under a standard car insurance policy, the deductible will be $250 with a 20% co-pay on the first $5,000 of medical bills. Some people purchase less expensive policies in exchange for a larger deductible.
In bus accident situations in New Jersey, injured bus passengers may be able to make a claim for medical benefits under the bus' insurance policy. However, not all buses are required to provide such benefits for passengers. For example, NJ Transit buses do not provide medical benefits for passengers. Read more about making a claim for medical benefits after a bus accident in New Jersey.
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