New Jersey Supreme Court Changes What is Seen by a Jury
The New Jersey Supreme Court issued a decision that effects New Jersey motor vehicle drivers that have selected $15,000 in medical benefits (to cover their injuries from motor vehicle accidents). If you have selected this form of coverage, change your policy!
Time to reconsider your motor vehicle insurance, read below:The New Jersey Supreme Court issued a ruling yesterday that effects many drivers. If you have purchased car insurance with a limited amount of medical benefits coverage (known as PIP coverage), then you need to contact your insurance representative before you have a car accident [Yes, when you have an accident, no matter who is at fault, your insurance pays your doctors]. Prior to the Supreme Court decision, if you purchased only $15,000 in medical benefit coverage, part of your claim for damages would include any medical costs above that $15,000 (paid by your insurance company). That is no longer the case. A jury will not get to see how much is due in medical bills to your doctors. So, as an example: if you needed a surgery because of an accident that cost $45,000. In the past, an attorney would be able to show a jury that you owe $30,000 in medical bills to your doctors. We cannot do that anymore. A jury will not know that you owe your doctors money.
Review your coverage with a professionalThat is why it is important that you review your policy language with the broker that sold you your insurance, or, with your attorney. You can contact this firm to set up a consultation and to review your coverage. Sincerely, Walter M. Piccolo, Esq. 973-368-2316