The maximum amount of coverage for payment of medical bills that can be selected under the standard No Fault automobile insurance policy is $250,000. However there are different options an insured may choose providing lower insurance coverage limits for payment of medical bills. For example, an insured could choose one option that only provides $15,000 in coverage for payment of medical expenses. 

Until recently, the New Jersey trial courts often refused to allow recovery for unpaid medical bills in excess of the No Fault insurance policy limits. For example, if you had purchased only $15,000 in No Fault medical expense coverage, all bills over the $15,000 limit would often times not be allowed. So if you had very serious injuries you were often left with thousands of dollars in unpaid bills. However, the Appellate Division recently decided in the case of Haines v Taft, that uncovered medical bills in excess of the No Fault coverage limits can be collected from a negligent driver, who caused the accident.

This is a great decision for those injured in a motor vehicle accident. It will increase the likelihood of an injured person obtaining a full settlement for all of their losses including unpaid medical bills.

At Druckman & Hernandez, we recommend that you select the maximum amount of No Fault medical expense insurance coverage. This will provide you with the greatest protection in the event you are injured in a serious motor vehicle accident. If you have been injured in an accident and have questions about your medical bills or insurance coverage please feel free to call us anytime at 908-353-5850.