In the aftermath of a motor vehicle accident, one of your primary concerns will be getting and paying for any necessary medical care. In New Jersey, unlike many other states, there are two ways this can be resolved, based on the type of car insurance policy you have. If you need to recover medical costs after a New Jersey car accident, contact a car accident lawyer for assistance.
It’s important to understand upfront that New Jersey offers no-fault insurance coverage for motor vehicle accidents. Under this system, when you have been hurt in a car wreck, the first place you look to recover for your losses is to your own insurer. Based on provisions of your policy, your insurer may compensate you for some or all of your medical expenses, but will typically seek reimbursement from the at-fault party’s insurer through a legal process known as subrogation.
But New Jersey offers you a choice—you can choose no-fault coverage or you can opt for “traditional” motor vehicle insurance. One of the key differences—with the traditional insurance policy, you retain the right to seek reimbursement of medical expenses from the at-fault driver or his/her insurance company directly. Furthermore, there’s a provision in New Jersey whereby an injured motorist can directly file a personal injury claim against another driver. To do so, you must show that you suffered serious injury, defined to include “dismemberment, significant disfigurement or scarring, displaced fractures or the loss of a fetus.”
Contact Our Office
If you or someone you love has been injured in New Jersey because of someone else’s negligence, we can help you seek full and fair compensation for your losses. For a private meeting with an experienced car accident attorney, contact us online or call our offices, in New Brunswick at 732-247-3600 or in Somerville at 908-448-2560.
