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Who Covers Medical Bills For Injured Car Accident Passengers In New Jersey?

Car accidents can be sudden and unsettling experiences, often resulting in passenger injuries. If you’re wondering about the ins and outs of who pays for the medical bills when a passenger is injured in a car accident, you’re in the right place. 

This article aims to provide a comprehensive understanding of this issue, focusing on the unique insurance policies in New Jersey.

Who Covers Medical Bills for Injured Car Accident Passengers in New Jersey?

Who Pays Medical Bills After Car Accidents

In New Jersey, when a passenger gets injured in a car accident, the primary source of coverage for their medical bills often comes from car insurance policies involved in the accident. 

This is interesting because New Jersey follows a no-fault insurance system.

It means that no matter who caused the accident, each driver’s insurance typically covers their medical expenses through Personal Injury Protection (PIP) coverage.

How Car Insurance Companies Pay Medical Bills Directly in NJ

How does this whole PIP thing work in New Jersey? Well, it’s pretty straight. When a passenger is hurt in a car crash, their own PIP coverage or the driver’s PIP coverage of the vehicle they were in usually steps up to cover their medical expenses. 

It’s all about quick and hassle-free access to necessary medical treatment. The process involves seeking medical help and sending those medical bills to the insurance company. They’ll review, process the bills, and reimburse you for the eligible medical expenses. 

Remember that there’s a limit to how much PIP coverage can provide, so if your medical bills exceed that limit, you may have to explore other avenues.

What’s the Average Hospital Bill in New Jersey?

Speaking of bills, it’s crucial to know the numbers involved. In New Jersey, the average hospital stay cost can vary, but on average, it can range from $2,000 to $3,000 per day. 

However, severe injuries or complications can quickly drive those costs higher. That’s why having adequate insurance coverage is crucial to tackle potential medical expenses head-on.

Here is a quick overview:

Public Hospitals in New Jersey

  1. University Hospital in Newark: As a major public hospital, University Hospital offers a wide range of services, including emergency care for car accident victims. Being a teaching hospital affiliated with Rutgers University, it provides both general and specialized care.
    • Contact Information: Emergency Department: (973) 972-5123, Admitting: (973) 972-4044
  2. Jersey City Medical Center: Located in Jersey City, this public hospital is known for its comprehensive emergency services and trauma care, which are crucial for car accident patients.
    • Contact Information: Emergency Department: (201) 915-2000, Admitting: (201) 915-2050

Private Hospitals in New Jersey

  1. Hackensack University Medical Center: A prominent private hospital in Hackensack, known for its advanced emergency services and trauma care. They have state-of-the-art facilities for handling complex car accident cases.
    • Contact Information: Emergency Department: (551) 996-2000, Admitting: (551) 996-2101
  2. Morristown Medical Center: Part of the Atlantic Health System, Morristown Medical Center is a private hospital offering high-quality emergency and trauma services, often dealing with car accident injuries
    • Contact Information: Emergency Department: (973) 971-5000, Admitting: (800) 205-9911

Average Cost of Treating Car Accident Patients

The cost of treating a car accident patient in New Jersey hospitals can vary widely. On average, initial emergency room visits can range from a few hundred to several thousand dollars, depending on the severity of the injuries.

For more severe injuries requiring surgery, prolonged hospitalization, or specialized care, costs can escalate significantly, potentially reaching tens of thousands of dollars.

It’s important to note that these are rough estimates. The actual cost can vary based on specific treatments, length of stay, and the patient’s insurance coverage.

Important Considerations

  1. Insurance Coverage: The patient’s health insurance coverage plays a significant role in the actual out-of-pocket costs. Many insurance plans cover a substantial portion of emergency and hospitalization expenses.
  2. Financial Assistance Programs: Most hospitals offer financial assistance or payment plans for patients who are uninsured or underinsured.

For the most accurate and up-to-date information, it’s recommended to contact hospitals directly or consult with healthcare professionals. They can provide specific details based on individual circumstances and the current rates.

How to Handle Legal and Medical Bills in New Jersey

Now, let’s talk about what to do if your medical bills start piling up and you’re worried about how to cover them. 

Here are some options to consider:

Health Insurance

Your health insurance can help pick up the slack if your medical expenses exceed your PIP coverage. Be sure to inform your health insurance provider about the accident to streamline the billing process.

Uninsured/Underinsured Motorist Coverage

If the person responsible for the accident doesn’t have insurance or doesn’t have enough coverage, you can turn to your uninsured/underinsured motorist coverage, assuming you have it.

Personal Injury Lawsuit

If your injuries are severe and your medical bills are substantial, consider filing a personal injury lawsuit against the at-fault party. Consulting with an attorney specializing in car accidents can guide you through this process.

How to Navigate Insurance Adjusters After a Car Accident in NJ

Dealing with insurance adjusters can be complex sometimes. Remember, they work for insurance companies and might try to limit payouts. 

Here’s how to handle these conversations:

  1. Avoid admitting fault or making statements that could work against you.
  2. Keep records of all communication with the adjuster.
  3. Consult a car accident attorney for expert guidance if you need clarification on negotiations or feel your claim needs to be treated fairly.

Filing a Police Report in New Jersey After a Car Accident

Filing a police report is a crucial step after any accident in New Jersey. 

Here’s how to go about it:

  1. If there are injuries or significant damage, dial 911 to report the accident and request police assistance.
  2. Exchange information with all parties involved, including names, contact details, insurance information, and vehicle details.
  3. Cooperate with law enforcement, providing accurate information about the accident. Make sure to obtain a copy of the police report for your records.
  4. Notify your insurance company promptly to kickstart the claims process.

Consulting Car Accident Lawyers in New Jersey

Dealing with car accidents, insurance claims, and medical bills can be challenging. That’s where a car accident lawyer in New Jersey comes in. They can evaluate your case, negotiate with insurance companies, and, if needed, guide you through a personal injury lawsuit to secure compensation for medical bills and other damages.


How Are Medical Bills Paid from My Settlement in New Jersey?

In New Jersey, medical bills are typically paid through PIP. It ensures swift payment for necessary medical treatment up to the policy limit.

What Happens When Medical Costs Exceed Personal Injury Protection?

If your medical expenses exceed your PIP coverage, you may be responsible for covering the remaining bills. In such cases, your health insurance can help cover additional medical costs.


In New Jersey, covering medical bills when a passenger is injured in a car accident typically falls on Personal Injury Protection PIP coverage, either through the injured party’s or the driver’s insurance policy. 

However, it’s vital to be aware of policy limits and potential gaps in coverage, as medical expenses can escalate quickly, particularly in severe injury cases.

To safeguard your rights and ensure fair compensation while navigating the complexities of car accidents, it’s wise to consult a car accident attorney. 

They can provide expert advice, negotiate with insurance companies, and help you explore legal avenues to cover medical bills and other damages. 

By staying informed and taking the proper steps, you can protect your interests and secure the necessary financial support for your recovery.

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