New Jersey is a no-fault insurance state. What does that mean? It means that your own auto insurance provider is responsible for paying for damages from your car crash regardless of who was at fault. Even if the other driver was obviously at fault for the collision, your insurance carrier will be the one to turn to for medical coverage.
When you get into a crash, you will need to report that collision to your insurance carrier. Medical expenses will need to be turned into them, as will lost wages and other financial losses. The exception to this is that any property damage is covered by the at-fault driver.
New Jersey is one of 12 unique states
Unlike much of the country, New Jersey and 11 other states have no-fault laws. As a result, you will need to work with your own insurance provider to get your medical care covered after your collision. This can be tough, because while that company is supposed to be working for you, the agent will be trying to save as much money as possible.
Should you take the settlement you’re offered after a crash?
It is not a good idea to take the settlement you are first offered following a collision, because the likelihood is that it’s not the best settlement offer you could get. In many cases, insurance agents will make low offers in hopes that the claimant will accept them. This helps the company save money.
Unfortunately, taking a settlement offer that’s too low will only hurt you in the end. If you accept an offer that isn’t high enough, you won’t be able to renegotiate it in most cases. As a result, you may end up footing the bill for care when you shouldn’t have to.
What can you do to cover medical costs while you’re waiting to settle?
Negotiating a settlement can take time. You may want to use your own health insurance coverage to cover a portion of your medical care. It’s reasonable to look into other legal options as well, so you can continue to access care while negotiating the best possible settlement.