Who will pay my medical bills after a car accident in NJ?


  • New Jersey is a no-fault state, which means your insurance company is responsible to pay your medical bills for any medical treatment that is reasonable, and as a result of the accident
  • It doesn’t matter whose fault the accident was.  You are paying for what’s called personal injury protection coverage, or PIP coverage, which pays your medical bills
  • There is an option in New Jersey that you can choose your private health carrier to be the primary party responsible to pay your medical bills
  • You should keep in mind that, should you choose that option and your primary health carrier pays for your medical bills, they could, ultimately, have a right to recovery, or a lien against any recovery you might make as a result of a lawsuit
  • If you have any questions about the type of PIP coverage or medical bill coverage that you may want to take out on your insurance, you really should consider consulting a New Jersey attorney.