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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. 

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