Who will pay my medical bills?
Medical bills are usually the costliest expense associated with a personal injury case. These bills are incurred during the initial emergency medical response and, if long-term or lifetime medical care is required, remain an ongoing concern for the injured party and their family.
If you are involved in a motor vehicle accident in in New York and/or New Jersey your medical bills are covered under “no-fault” insurance – also known as Personal Injury Protection (PIP). While there are variations as to the actual insurance company responsible for the bills, the general rule is that your medical bills are paid by the insurance company of the car you were occupying regardless of fault (hence the term “no-fault”). The minimum amount of benefits for this type of coverage in New York is $50,000.00. New Jersey affords its beneficiaries at least $250,000.00 in coverage.