A serious car accident in Jersey City can leave you with more than physical injuries — the financial strain can be overwhelming too. ER visits, specialists, surgery…it all starts adding up long before you’ve even processed what happened.
And like many crash victims, you may be asking:
“If someone crashed into me, why am I the one being billed?”
You shouldn’t have to fight this battle alone — and this guide will help you understand who should be paying and what steps protect you from medical debt.
PIP: Your First Line of Protection in New Jersey
New Jersey requires drivers to carry Personal Injury Protection (PIP).
This is part of your own insurance policy, and it pays for your medical care after the crash — even if another driver caused it.
PIP can include:
- Hospital and emergency room care
- Diagnostic scans (MRI, CT, X-ray)
- Follow-up appointments and specialists
- Rehabilitation and physical therapy
- Medications and medical equipment
- Transportation to medical appointments
This is often where coverage starts — not where it should end.
When the At-Fault Driver Should Pay Instead
Some injuries go far beyond what PIP can handle — especially when:
✔ Your medical treatment will continue long-term
✔ Your PIP limits have been exhausted
✔ The other driver was clearly negligent
✔ Your policy allows a liability claim
In these cases, you can pursue the at-fault driver’s insurance for:
- Remaining medical bills
- Lost wages + future earning issues
- Pain, stress, and life changes caused by the crash
You shouldn’t pay for harm someone else caused.
Why You Still Might See Hospital Bills
Even when everything is working correctly, hospitals often:
- Send bills automatically before insurance responds
- Demand payment quickly to protect themselves
- Try to collect before liability is established
This doesn’t mean you owe the full amount.
📌 Do not ignore the bills — but don’t pay before talking to a lawyer either.
The right legal steps can prevent debt collectors from coming after you.
What If You’re Uninsured or Don’t Have a Car?
You still have legal protections, and in many cases:
- The at-fault driver’s insurer may be responsible
- You may qualify for state funds or Medicaid temporary coverage
- We can negotiate or reduce medical balances
No one should be denied care after being hit by a driver who wasn’t careful.
Insurance Companies Don’t Always Help — But We Do
Some common tactics crash victims report:
- Delaying approvals for treatment
- Pressuring you to settle before recovery
- Claiming injuries are “pre-existing”
- Recording statements to limit payouts
Remember: Their priority is cost savings — not your recovery.
Your lawyer’s priority is you.
Frequently Asked Questions
📌 Do I have to pay deductibles or copays?
Sometimes — but they may be recoverable later through a liability claim.
📌 What if I was partly at fault?
You may still receive compensation if you weren’t more responsible than the other driver.
📌 Can a lawyer help with medical bills?
Absolutely — lawyers secure treatment approvals and fight over wrongful denials.
📌 How long do I have to file a claim?
Most cases allow two years, but evidence fades fast — waiting is risky.
📌 Is there a cost to speak with a lawyer?
No. Consultations are free, and we only get paid if you win.
Let Us Fight for Your Health and Your Future
If you were injured in a car accident in Jersey City, you deserve:
- Immediate medical care
- Peace of mind about the bills
- Protection from insurance pressure
- Compensation for how your life has changed
You only get one chance to secure your recovery — make sure it’s the right one.
📞 Free Case Review — No Upfront Fees Ever
We’ll protect your medical coverage and fight for every dollar you deserve.
👉 For a deeper dive on billing rights:
https://www.the25percentlawyers.com/who-pays-your-hospital-bills-after-a-car-accident-in-new-jersey-a-clear-guide-for-injured-drivers/
👉You can also explore another helpful breakdown here:
https://lawyercaraccidentnynj.com/who-covers-your-medical-bills-after-a-car-accident-in-new-jersey/
You heal.
We handle everything else.
