There are many ways to cover expenses related to your injuries, with some variation depending on the type of accident, such as:

• Auto insurance: If you are injured in a car accident, New Jersey’s no-fault laws dictate that you must carry personal injury protection (PIP) as part of your auto coverage. When an accident occurs, each driver should utilize their coverage to pay for expenses up to policy limits, regardless of who is at fault.
• Private health insurance: You can choose whether to use your health insurance to cover medical expenses related to car accident injuries. This provides you with two avenues of coverage, first with your personal health insurance and second with your auto insurance coverage.
• Medical liens: Medical liens are a repayment demand health insurer to recover a portion of expenses paid for treatment of your injuries that will be extracted from any settlement you receive that you are directly responsible for through your copay or direct billing.
• Medicaid: Medicaid pays for medical expenses at a significantly reduced rate for those qualified and covers almost all costs related to your injuries and care. Medicaid is entitled to a portion of your settlement to recoup some expense, much less than health insurance liens.
• Medicare: Medicare covers many medical expenses for those 65 and older.
• Workers’ Compensation: If you are injured at work, Workers’ Compensation pays for medical expenses, partial lost wages, and disability.

You may be directly responsible for some out-of-pocket expenses related to your injuries or ongoing medical care not always covered by insurance, such as medications, medical equipment, and travel expenses.

In addition, if you face uncovered expenses, you may be eligible for a payment plan or to negotiate lower bills with medical providers, depending on your financial situation, insurance policy, where you live, and the healthcare company.