Under the No Fault Law in New Jersey, your household auto insurance company will pay for your medical bills. The bills will be paid according to the NJ Auto Fault Fee Schedule even if you were at fault for the accident. Please have your healthcare providers bill your auto carrier, or the insurance carrier of a household relative. Doing so will not raise your premiums because the carriers understand that they are each going to pay their share of medical bills even if their insured is not at fault. No fault carriers are the primary insurer for auto bills.
Secondary insurers include your private health insurance company; Medicare, Medicaid, Workers’ Compensation carrier (for work related injuries). The amount of payment paid by no fault policies depends on the policy you bought. All no fault policies depend on whether what you purchased has a copayment and deductible. Usually your treating doctors will allow these unpaid bills from your settlement. The Standard No Fault policy of $250,000.00 has a $250.00 deductible and a 20% copayment on the first $5,000.00.
If you have Medicare, Medicaid, or private health insurance, advise the medical providers that they are a secondary source of insurance.
If your policy does not provide No Fault Coverage, many doctors will wait until the case is settled to have the bills paid but this is not an option that all doctors provide. We advise our clients not to sign liens, but alternatively to have the provider request a “Letter of Protection” from our office.
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