By: Jason D. Briel, Esq.
Both New Jersey and Pennsylvania have adopted the premise of no fault auto insurance. This means, that regardless of whose fault the accident is, your own auto policy is responsible for you medical bills.
If you are in an accident caused by another driver and you have suffered injuries that have resulted in medical bills, immediately call your own insurance company to open up a personal injury protection (PIP) claim. Your insurer will then provide you with a claim number which you must give your medical providers so they can bill your auto insurer properly.
Be sure to protect yourself financially by paying a higher premium for higher PIP benefits. If you are in a serious accident and suffer serious injuries, you do not want to run the risk of quickly running out of PIP benefits, leading to unpaid and overdue bills which can do extreme damage to your credit if the bills remain unpaid during lengthy litigation.
THE FOREGOING IS A GENERAL DISCUSSION OF THE LAW AND SHOULD NOT BE INTERPRETED TO BE LEGAL ADVICE. IF YOU HAVE A SPECIFIC QUESTION, PLEASE CONTACT OUR OFFICE AND SPEAK TO AN ATTORNEY