Car Accident Lawyer, Manchester Township NJ

They go to your car insurance first. The PIP coverage in your own auto policy, N.J.S.A. 39:6A-4, is primary for crash injuries whoever was at fault, and New Jersey does not let Medicare or Medicaid recipients choose the health-insurer-primary option on an auto policy. Medicare is secondary: it steps in once PIP is used up or for items PIP does not cover, and whatever it pays for crash-related care it has a right to take back out of a settlement. Hand every provider your auto claim number along with your Medicare card, and call us before the bills start bouncing between the two.

Possibly, yes. A left turn onto a highway does not settle fault by itself, because N.J.S.A. 2A:15-5.1 has the blame split by percentage, and you lose the claim only if more than half of it lands on you; below that the award is cut by your percentage. What the through driver was doing is usually where the case is: a gap that was safe against traffic moving at the limit is not safe against a car well above it, and that car's event recorder, the driver's phone records and the crush damage to both vehicles show its speed. If the adjuster hints that your age explains the crash, that is opinion, not evidence. Give no recorded statement, and call us first.

The evidence that matters is whatever fixes which car left its lane: the lane positions, gouge marks and debris recorded in the police crash investigation, the damage pattern on both vehicles, and the other driver's phone activity in the minutes before the collision. When the person hit is in their seventies or eighties, the other insurer may suggest that you were the one who drifted, that you dozed off, blacked out or mixed up your medication. Records answer that better than argument does: your doctors' notes showing no condition that causes a lapse at the wheel, and your pharmacy history. Do not talk about your health with the other carrier, and call us this week.

No, nothing requires you to, and your treatment is paid either way. If you have given up driving and no one in your household has an auto policy, the PIP coverage on your friend's car pays your medical bills, ahead of Medicare, and using it is not a fault claim against her. A claim for the injury itself is a separate decision, and New Jersey gives you two years to file it under N.J.S.A. 2A:14-2; it depends first on how the fault divides between her turn and the other driver's speed. Should part of it fall on her, her liability insurer answers for it. Call us before you give either insurance company a statement.

Not on your word alone, which is why the medical proof has to be built early. Insurers argue that a low-speed impact cannot hurt anyone and that an older spine was already worn, and if your policy carries the limitation on lawsuit under N.J.S.A. 39:6A-8 you have to show a permanent injury through a physician's certification based on objective testing. New imaging compared with your earlier films, consistent treatment and your doctor's explanation of what changed answer both arguments, and they matter just as much after a slow turn at a community entrance off Route 37. Get examined within a day or two even if you only feel stiff, mention every symptom, and bring your declarations page to the free consultation.