Injury Attorneys Discuss Limited and No Coverage Insurance Claims

Serving Accident and Injury Victims in Trenton, Lawrence, Princeton, Hamilton and across Mercer County

The Garden State continues to see motor vehicle accidents costs on the rise, without any reduction in sight. As it relates to no fault claims personal injury protection (PIP), New Jersey drivers and insurance companies have seen a 26% increase over a nine-year period, according to the recent Insurance Research Council’s (IRC) study. Medical expenses from an accident can include ambulance service, doctors, hospital, MRI’s and other scans, and months of medical care, more scans, surgery, and physical therapy.

If you’ve been injured in an accident, you’ll want to file an insurance claim with either your insurer or the insurer of the responsible party as soon as possible but after seeking medical attention.

Do not wait and risk the health and well-being or the financial stability of you and your family. Call today or fill out an online contact form for a free initial consultation. No commitment necessary and we will evaluate your case and give you your options.

How am I getting my medical bills paid after an accident?

A lot of times the most important question people come in with is: How am I getting get my medical bills paid? There are some people who have insurance and one of the problems with insurance is not all doctors take all types of insurance.

No Coverage or Issues with Medicaid or Medicare Coverage

We see that a lot with Medicaid and Medicare; there are a lot of medical facilities that won´t take them so we try to clients find facilities that will take the insurance they have. If they don´t have any insurance (if they don´t have medical insurance) we also try to help them find somebody who would treat them because they knew the treatment regardless of whether there is going to be a third party case and regardless of whether they have insurance.

Right of Subjugation in NJ

Insurance is a big issue with regards and how those get paid but also is a big issue when the case resolves. A lot of health insurance have in the contracts the right of subjugation, meaning that if they make a payment for a medical bill they´ll expect to get paid back from the recovery regardless of the amount of recovery.

What if my recovery is less than the settlement amount of my case?

If the recovery is not high and the medical bill is higher than recovery, it could be problematic. We don´t leave our clients hanging out there when the case is done we are making sure that they don´t have the obligation to pay back everything that the insurance companies ask. We will continue to fight for our clients, we´ll continue to represent their interests to maximize their recovery.

No-Fault Insurance Laws in New Jersey

No fault insurance means that your automobile insurer will pay some or all of your medical bills if you get into a car accident, regardless of who was at fault for the accident. In some “no-fault” states, there is a limit to what your own automobile insurance company will pay.

A common mistake or misunderstanding assumed by the drivers in and across Mercer County, NJ is the assumption that the car insurer for the other car will pay their medical bills, especially if they were at fault for the accident. This is no longer the case in New Jersey. The laws have changed and it is important to enlist the assistance of a quality Personal Injury Attorney to help guide you through the process.

Contact a Trenton NJ Accident and Traumatic Injury Lawyer Today

We handle injury claims arising from New Jersey Turnpike accidents, as well as car wrecks on Interstate 95, the Garden State Parkway, Routes 78 and 287, and throughout New Jersey. Our clients are people who have suffered severe, life-changing injuries and need money for medical bills, wage loss, and other hardships. We are committed to helping them obtain maximum compensation for their losses.

Led by Phil Cohen and Kevin Riechelson, highly accredited Personal Injury Lawyers and Name Partners, lead a team of highly skilled attorneys and staff that are here for you. The Partners both have 25 years of litigation experience handling cases across Mercer County in towns like Princeton, Trenton, Lawrence, and Hamilton. Their courtroom experience is a key component that will help deliver the quality counsel you need in such a difficult situation with a lot on the line.

If you or a loved one have been injured in an accident, and you are concerned about how you will take care of medical bills, don’t wait another moment. Reach us at one of our convenient office locations via phone (609) 528-2596 or fill out a contact form on our website, so we can get you scheduled for a free and confidential case evaluation right away. We are here to protect you and your family, with an interest in not only settling the case and providing a monetary settlement amount but also helping you heal and move forward in life in the best way possible.