A Helpful Guide for Injured Drivers in Bayonne
A car accident can turn your life upside down in a matter of seconds. One moment you’re driving through Bayonne’s busy avenues… and the next, you’re facing pain, stress, and a pile of medical bills you never expected.
So the biggest question becomes:
➡ Who pays for your hospital bills after a car accident in New Jersey?
The answer is clearer than you might think — but it depends on your situation. Here’s what every injured driver in Bayonne should know.
Your PIP Insurance: First Line of Support
New Jersey is a no-fault insurance state.
That means your own auto insurance — specifically Personal Injury Protection (PIP) — pays for:
✔ Emergency room bills
✔ Surgery and hospital stays
✔ Diagnostic tests
✔ Physical therapy
✔ Follow-up doctor visits
✔ Prescription medications
✔ Lost wages (depending on coverage)
Even if another driver caused the crash, your PIP is designed to step in immediately, so you can get medical treatment without delay.
📌 Tip: Many drivers don’t realize they can choose different PIP limits. Some people have as low as $15,000 — and it can run out fast after a serious crash.
What If PIP Isn’t Enough?
Major injuries can exceed your coverage quickly.
If that happens, you may be able to hold the at-fault driver responsible for the rest of your medical costs and additional damages like:
• Pain and suffering
• Long-term disability
• Lost future earning capacity
To do this successfully, you must have:
1️⃣ A qualifying injury (serious injury threshold)
2️⃣ Evidence proving the other driver was negligent
A Bayonne car accident lawyer can help determine whether you qualify.
What If You Don’t Have Health Insurance?
Unfortunately, many victims avoid medical care because they worry they can’t pay.
But you still have options:
✔ PIP coverage applies even if you don’t have health insurance
✔ Some doctors accept letters of protection, treating you now and getting paid later from your settlement
✔ Hospitals may postpone collections until a claim resolves
The key is not waiting to get treated — waiting can hurt both your health and your case.
What If You Were Not Driving?
Your coverage depends on your role at the time of the crash:
| Your Situation | Who Pays First |
|---|---|
| Passenger in a friend’s car | PIP from your policy, then the car’s |
| Cycling or walking hit by a car | Your PIP or a household member’s |
| Riding in a taxi/Uber/Lyft | Your PIP, then the rideshare’s policy |
There are always paths to coverage — even if the driver who hit you was uninsured.
Insurance Companies Aren’t Looking Out for You
Insurance adjusters may:
✘ Tell you you’re not covered
✘ Push for a low settlement
✘ Claim your injuries aren’t related to the accident
✘ Rush you into signing away your rights
You don’t have to accept their decision.
You do have the right to talk with a lawyer first.
Common Questions We Hear in Bayonne
Do I need a lawyer to file a claim?
Not always — but having one protects your rights and can help maximize compensation.
Is this free?
Consultations are 100% free, and most cases are handled with no upfront cost.
What if I was partially at fault?
In New Jersey, you may still recover damages if you’re less than 50% responsible.
How long do I have to take action?
Most car accident claims must be filed within 2 years — but sooner is always better.
You Don’t Have to Face This Alone
Medical bills shouldn’t determine the rest of your life.
If you were injured in a Car Accident in New Jersey, you deserve support — and answers.
👉 Free Case Evaluation — Find Out Who Should Pay Your Bills
Speak with a Bayonne car accident lawyer who will fight for your treatment, your recovery, and the compensation you deserve.
📞 Call Today — Zero Fees Unless We Win
For a deeper dive on billing rights:
👉 https://www.the25percentlawyers.com/who-pays-your-hospital-bills-after-a-car-accident-in-new-jersey-a-clear-guide-for-injured-drivers/
You can also explore another helpful breakdown here:
👉 https://lawyercaraccidentnynj.com/who-covers-your-medical-bills-after-a-car-accident-in-new-jersey/