Proudly Providing Experienced Legal Services Throughout North Jersey
Free Consultation | Se Habla Español
Krivitzky, Springer & Feldman
A Law Firm For Accident Victims For Over 35 Years
Call Us Toll Free
888-350-4166
Main Navigation
Experienced Counsel
Practice Areas

NJ Car Insurance: Health Insurance Primary Option - Just Say No!

Check your New Jersey car insurance policy. New Jersey is a No-Fault state. This means when you get injured in an accident involving an automobile, your own car insurance pays your medical bills, regardless of fault for the accident. You want to be sure you have Personal Injury Protection (PIP) of $250,000. This is the maximum of medical bills that your auto insurance will pay for an accident. This used to be the standard coverage in New Jersey for all policies. But a few years ago insurance companies began offering people the option to reduce their coverage. Some people choose a "basic" policy with only $15,000 in coverage. That is not sufficient coverage for anyone.

Another option is called "health insurance primary". If you select this, medical bills related to the car accident would be submitted first to your health insurer and then to the automobile insurance. The premium is lower than standard auto insurance. However, the problem is that the health insurance almost always refuses to pay because they know the bill is related to a car accident. The car insurance won't pay until they know what the health insurance paid, and the medical providers get frustrated and start billing the patient and sending them to collection. You can avoid this problem.

Get yourself a standard policy with $250,000 in PIP medical payments coverage. We also recommend at least $100,000 in liability and Uninsured Motorist Coverage.

If you have any questions about your car insurance policy, feel free to contact the attorneys at Krivitzky, Springer & Feldman for a free consultation and review of your policy. 

No Comments

Leave a comment
Comment Information

Do You Need Legal Help?

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

Office Locations

Jersey City Office
26 Journal Square
Suite 1004,
Jersey City, NJ 07306

Toll Free: 888-350-4166
Phone: 201-499-7745
Fax: 201-653-6806
Map & Directions

Newfoundland Office
Lakeland Plaza
2713 Route 23 South
Newfoundland, NJ 07435

Toll Free: 888-350-4166
Phone: 973-874-0556
Fax: 201-653-6806
Map & Directions

  • BBB Rating A+
  • New Jersey Association for Justice
  • LawyerCentral.com Featured Lawyer

Recent Posts On Our Blog