Well, in New Jersey, everybody who drives a car, who a registered automobile, must have what’s called PIP,
personal injury protection. It’s also referred to as no fault insurance. So, the law says it doesn’t matter whose
fault an accident is. Your own car insurance always pays your medical bills. Not your health insurance, not
the insurance for the car that caused the accident, your own car insurance.
And the other rule, PIP follows the person. So if I was a passenger in someone’s car and they got into an
accident, my car insurance follows me into their car and my car insurance pays my medical bills just like their car insurance pays their medical bills.
Follows you wherever you go. Even if you’re a pedestrian crossing the street and you get hit by a car, the car that hits you does not pay your medical
bills. Your car insurance is on your shoulders as you cross the street and your car insurance pays your medical bills.