New Jersey automobile owners receive coverage for medical expenses incurred in the event of injuries sustained in a car accident through the personal injury protection (PIP) portion of their automobile insurance policy.
Accident victims who reside with an insured New Jersey automobile owner will be afforded coverage through the PIP coverage in the owner’s insurance policy.
Passengers and pedestrians who do not reside with an insured driver may seek payment of their medical bills through Medicare.
Or payment for medical providers may be afforded by the New Jersey Property-Liability Insurance Guaranty Association.
If you rent a car, but have no PIP coverage either through your own car insurance or that of a family member, you are still in luck. Car rental companies in New Jersey provide PIP benefits to drivers and passengers of rental vehicles for medical expenses incurred in accidents involving the rental vehicle. These benefits are provided to the extent that there is no other auto insurance available to pay the medical bills. These benefits work similarly to those on a consumer auto insurance policy. The medical provider seeking payment must submit properly coded billing to the car rental company or its adjuster. Also, the standard New Jersey deductible and co-payment are applied to those medical bills, leaving the victim with a maximum possible out of pocket expense of $1,200.00.