Personal Injury Protection
Call Our South Jersey Attorney Today
After a car accident, many people assume that the at-fault driver’s
insurance company will be responsible to pay for the injured party’s
resulting medical bills. Under New Jersey law, this is not the case. New
Jersey is one of several “no-fault” states in regards to auto
accidents, meaning that drivers may only seek compensation for medical
expenses through their own personal injury protection (PIP) insurance
in the event of a collision, regardless of who is at fault.
If you have been injured in an auto accident either as a driver, passenger,
or pedestrian, a knowledgeable Burlington County PIP attorney from Burnham
Law Group can help you file a PIP claim and maximize your chances of securing
every penny of your entitled compensation.
Countless clients have trusted our firm for the following reasons:
Schedule your free consultation today to review your legal options.
What Are PIP Benefits?
Each driver must purchase personal injury protection (PIP) insurance with
their auto insurance policy, which covers their medical expenses, lost
wages, and essential services, as well as funeral and death benefits to
a person’s dependents in the event that a driver should lose their
life in an accident. PIP benefits are used whenever a person is involved
in an accident, regardless of fault or if a person’s vehicle was
even involved in the collision. For instance, if a PIP insured person
was injured in a collision while riding as a passenger in someone else’s
vehicle, they would still seek compensation through their own PIP insurance.
PIP benefits cover multiple parties, including:
- The owner of the insured vehicle
- Blood or marriage-related household members of an PIP insured vehicle
- Passengers of a PIP insured vehicle
Medical expenses that exceed a person’s deductible will be subject
to an 80%/20% copayment provision up to $5,000. In other words, once you
have payed your deductible, PIP insurance pays for 80 percent of your
medical bills up to a total of $5,000, while you are responsible for the
remaining 20 percent. Any additional medical expenses will be completely
covered by PIP insurance up to a standard maximum of $250,000 or more
depending on the terms of your policy.
Can My Insurance Company Stop Paying My Benefits?
Under New Jersey law, PIP insurance providers have the right to have you
examined by a doctor of their choice to determine if you are eligible
to continue to receive benefits. In the event that their chosen doctor
should determine that you have healed from your treatment, or that your
injuries were so serious that additional treatment will not provide a
considerable benefit, your insurance company may notify you of a termination
of your benefits.
You do not have to accept this decision. An experienced attorney from our firm can help you fight to continue to
receive your entitled treatment.
At Burnham Law Group, our South Jersey lawyers have handled thousands of
PIP arbitrations on behalf of injured individuals as well as anesthesiologists,
chiropractors, dentists, diagnostic facilities, pain management specialists,
physical therapists, hospitals, surgeons, surgery centers, and medical
supply companies. Through negotiations with the involved insurance companies
appeals, and litigation, we are prepared to go the distance on your behalf
in pursuit of the results you need.
Call (856) 924-6331 today to find out more about how we can help.