FAQs

You should notify your automobile insurance carrier or agent immediately after an accident. Inform them of the accident. Your policy may provide benefits that will help reduce your out of pocket expense such as property damage coverage, wage replacement, essential services or other benefits.

New Jersey is a no-fault insurance state. This means that in most cases your medical bills will be paid by your automobile insurance company even if your vehicle was not involved in the accident.

If you have no automobile insurance then it will be paid by the insurance company of the vehicle you were in. Payment is made under the “PIP Coverage” of the policy. “PIP” is short for Personal Injury Protection. Pre-certification of the treatment by the insurance carrier is often required before treatment can begin.

New Jersey insurers are required to offer PIP deductibles. Most policies contain a $250 deductible for the first medical bill that the insurance company pays. Then the insurance company pays 80% of the medical bills up to $5000.00.

Once the total medical bills exceed $5000 then the insurance company will pay the entire amount up to the policy limit of $250,000. The most out of pocket loss you will suffer is $1200. If you have health insurance you can submit the deductible bills to the health insurance provider.

If the accident was another driver’s fault, you may be entitled to compensation. Call the NJ auto accident attorney Lloyd Bennett, Esq., P.C. We have been helping accident victims since 1987.

Passengers are often injured in car accidents. In many cases passengers have the same right to recover from the at-fault driver as the driver does. If the passenger owns a car or resides with a relative that owns a car then that family member’s automobile insurance policy will pay the medical bills even if that car wasn’t involved in the accident.

If there is a dispute about who caused the accident, the law requires you to prove that another person caused the accident in which you were injured. We understand car accidents. We thoroughly investigate and use experts to assess fault. We will fight to help you win your case.

Most likely, the insurance company for the person who caused the accident will try to offer you less than full compensation. Hiring our law firm can level the playing field. We have the expertise needed to protect your rights to receive full compensation.

If the other driver does not have insurance, uninsured motorist coverage may protect you. The rules involving uninsured motorist coverage are complex.

An insurance company is unlikely to thoroughly explain those rules or offer you all of the compensation you may be legally due. We understand New Jersey uninsured motorist coverage and can make sure you are fairly compensated for your injuries.

If the other driver does not have enough insurance, under-insured motorist coverage may be available. Whether you are entitled to under-insured motorist benefits depends on a careful evaluation of your own insurance policy and the policy or policies of the other drivers involved and a thorough knowledge of how uninsured and under-insured insurance law operates in the State of New Jersey.