It is always best to consult a physician immediately after being involved in an accident. Even if you are not in any pain at the time, it is possible that you will feel pain at a later date. If you are unable to move on your own, or if you feel pain when you attempt to move, it is recommended that you have an ambulance transport you to a hospital from the site of the collision.

If you sustained cuts and bruises, but are able to move freely, you should visit an emergency clinic right away, and have a doctor perform a full examination. In addition, you should schedule an appointment to see your primary care physician as soon as you can.

Insurance policies in New Jersey are referred to as no fault insurance, which means that the majority of policies cover individuals and their families who reside with them for injuries suffered in motor vehicle collisions. One’s medical expenses are covered regardless of who was at fault in causing the crash. Thus, even in the event that one is to blame for causing the accident, and one sustains injuries, the insurance policy will cover the cost of medical care to the degree to which the owner buys his or her own policy.

This type of coverage is called Personal Injury Protection, or PIP. It is required in the majority of New Jersey policies, and will determine whether one receives medical care if one suffers injury in a collision. It is described as a kind of health insurance policy.

There are some people who may select their own health insurance policy to be the primary one for motor vehicle collision. However, several policies do not take primary payer status, and one may have to pay an extra health care premium. In the event of a lawsuit and recovery, there could also be a significant lien on the recovery, whereas if one were to purchase an auto insurance policy PIP, there would be no lien.

Under New Jersey law, automobile insurance is compulsory, and there are minimum amounts required for personal injury liability. However, the law is not always enforced. If one of the drivers is uninsured, the injured parties may have to try to obtain damages from their own insurance policies.

When the other vehicle has no automobile insurance, this is referred to as uninsured motorist coverage. When the policy covering the other vehicle is insufficient to pay for all of the injured party’s damages, this is referred to as underinsured motorist coverage. However, if the injured party has a standard policy, that party’s insurance company may cover the cost of damages to that party or that party’s vehicle that were caused by any individual or company that was without liability insurance at the time the accident occurred.

Even where there is sufficient liability insurance coverage, if the insurance company for the negligent motorist denies that the policy provides coverage, the injured party’s insurance company may pay for damages. However, if the injured party has only a basic policy, there is no protection if the vehicle is damaged due to the negligence of an uninsured or underinsured motorist.

When filing an uninsured or underinsured motorist claim, be advised that the insurance company will only pay for damages if the other motorist is determined to be legally responsible for the accident. Furthermore, according to the comparative negligence law in New Jersey, the injured party can only obtain damages if that party’s liability is not more than that of other motorists involved in the accident.