Medical bills can pile up after an accident. How do you get your medical bills paid? That is one of the top questions asked by an accident victim.
There are different medical benefits available to you depending on the type of accident in New Jersey.
In an accident at work, your employers’ workers compensation insurance company is responsible for payment of all emergency care, authorized medical care and medicines. The key to getting your medical bills paid is to make sure your employer reports your accident as soon as possible to the workers’ compensation insurance carrier. See our related article What to do if your employer fails to report your accident for additional information on the importance of reporting your accident.
In an automobile or car accident, your auto insurance carrier is responsible for your medical bills as a general rule. Automobile insurance policies in New Jersey have medical coverage called Personal Injury Protection (PIP) which pays medical bills subject to a deductible and co-pay. If you do not own an automobile or reside with a relative who owns a vehicle, you may be entitled to coverage from the vehicle you were driving or were a passenger in. The law surrounding your entitlement to medical benefits is complex. The best course of action is to consult an attorney experienced in automobile accident cases so you are guided in the right direction.
If you are injured and confused about your entitlement to medical benefits, contact us (973) 481-4364 for an appointment to review the facts of your particular case.