You’ve recently been involved in a motor vehicle
accident, and you’re troubled as to who’s going to pay my medical bills? “Is it going
to be my health care coverage? Or is some other source that’s going to take care of
my bills?” I’m Larry Popp, and I’m a personal injury lawyer in New Jersey. These questions
are frequently brought up by people who I speak to every day. In New Jersey, if you’re
involved in a motor vehicle or car accident, the first and foremost thing you need to do
is make sure that you provide any healthcare provider — that’s a hospital, a doctor, whoever
it is — you give them your PIP (personal injury protection coverage). How do you do
that? Well, you call your insurance company and report the accident immediately. You have
a 24 hour period (generally) to report the accident to your insurance carrier. They will
then give you a claim number. You take that claim number and that claim number is then
to be given to every health care provider where you seek treatment after that. You may
not have that when you go to the hospital, the emergency room right after the accident.
However, you then must contact the hospital after that to provide them that information.
Why is that important? It’s important because if you give them your health care coverage
information rather than the PIP (the personal injury protection coverage) from your car,
you’re going to wind up creating what’s known as a ‘lien situation’. Your health care carrier
will then want to be reimbursed by you for the cost of that health care. It creates a
very difficult situation. Once again, I’m Larry Popp, and I’m a personal injury lawyer
in New Jersey. And I know that this brief moment hasn’t answered all your questions
and concerns about how you get your medical bills paid. I urge you to call me at the number
below. We can speak specifically about your needs and put your mind at ease as to how
your bills are going to get paid. Again, I’m Larry Popp and I thank you for taking the
moment to listen to me.