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.