What is the name of your state (only U.S. law)? NJ
Should be simple right? Not so much.
Short version: I was in my friends car she was the driver, i was the passenger. We were rear ended on the parkway by a driver that admitted to police on the scene that she WAS NOT WEARING HER NECESSARY PRESCRIPTION EYE WEAR and SHE WAS "TOO TIRED TO BE DRIVING".
i thought it would be a smart idea to go to the hospital and get checked out by a physician...
I'm getting billed from the hospital as well as the physician that saw me. (two separate bills). As it has been explained to me since NJ is a NO FAULT STATE i need to have my car insurance pay for my hospital bills.
my car insurance only covered about $150, at this point my car insurance company told me to go through my health insurance which covered absolutely nothing!
After that my car insurance told me to contact the insured's company and ask them to pay. the insured's insurance said b/c I have a limited insurance policy from MY PROVIDER they're not gonna pay for any of my bills. They said they would only pay for my bills if i had been paying my insurance company more money for a No-Limit/Unlimited policy!!!
how does this make any sense!!! How does how much i pay my insurance company have any bearing on the fact that I was just fine and dandy until their negligent driver injured me.
I have been told i need to sue their insured in small claims court as they are obligated to defend them and it is going to cost them much more then just paying for my out of pocket medical expenses.
Has anyone gone through this? Any tips?
AND MOST IMPORTANTLY DOES ANYONE KNOW OF A CASE WHERE A PASSENGER OF A CAR SUED THE INSURED FOR OUT OF POCKET MEDICAL EXPENSES IN NJ??
thank you in advance.
Should be simple right? Not so much.
Short version: I was in my friends car she was the driver, i was the passenger. We were rear ended on the parkway by a driver that admitted to police on the scene that she WAS NOT WEARING HER NECESSARY PRESCRIPTION EYE WEAR and SHE WAS "TOO TIRED TO BE DRIVING".
i thought it would be a smart idea to go to the hospital and get checked out by a physician...
I'm getting billed from the hospital as well as the physician that saw me. (two separate bills). As it has been explained to me since NJ is a NO FAULT STATE i need to have my car insurance pay for my hospital bills.
my car insurance only covered about $150, at this point my car insurance company told me to go through my health insurance which covered absolutely nothing!
After that my car insurance told me to contact the insured's company and ask them to pay. the insured's insurance said b/c I have a limited insurance policy from MY PROVIDER they're not gonna pay for any of my bills. They said they would only pay for my bills if i had been paying my insurance company more money for a No-Limit/Unlimited policy!!!
how does this make any sense!!! How does how much i pay my insurance company have any bearing on the fact that I was just fine and dandy until their negligent driver injured me.
I have been told i need to sue their insured in small claims court as they are obligated to defend them and it is going to cost them much more then just paying for my out of pocket medical expenses.
Has anyone gone through this? Any tips?
AND MOST IMPORTANTLY DOES ANYONE KNOW OF A CASE WHERE A PASSENGER OF A CAR SUED THE INSURED FOR OUT OF POCKET MEDICAL EXPENSES IN NJ??
thank you in advance.
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