Will Insurance Cover Physical Therapy After My Car Accident in New Jersey?

Since New Jersey is a no-fault state, your Personal Injury Protection (PIP) insurance should cover physical therapy.

However, you will be responsible for a deductible as high as $2,500 as well as a 20% copay for the first $5,000 of medical bills.

If you were seriously injured in an accident that wasn’t your fault, a Jersey City car accident lawyer may be able to help you go after the at-fault party to help cover the cost of your physical therapy.

Understanding No-Fault Insurance

As a no-fault state, New Jersey requires each driver to purchase PIP insurance that has at least $5,000 of property damage coverage and $15,000 in personal injury protection per person, per accident.

Regardless of who is at fault for an accident, each driver’s PIP insurance plan will pay for their own medical bills up to the policy limits.

If you already have or suspect you will reach your policy limits because you sustained serious injuries in an accident that wasn’t your fault, our lawyers at Morelli Law Firm may be able to help you hold the other driver responsible for your remaining damages.

Physical Therapy Coverage Under No-Fault

PIP insurance covers “medically necessary” treatments, so if your doctor determines that you need physical therapy, they will need to provide documentation to your insurance company explaining why you need it.

Limitations to No-Fault Coverage

With no-fault coverage, you have to pay your deductible–which may be as low as $250 or as high as $2,500, depending on your plan–before the insurance pays for anything.

Then, you have to pay a 20% copay for the first $5,000 of your medical costs.

When you reach the maximum limits of your policy (which may be as low as $15,000), your no-fault coverage won’t pay for anything else.

Third-Party Liability Coverage

If you suffered serious injuries in a car accident that wasn’t your fault and you max out the limits of your PIP insurance, you may be able to sue a responsible third party to cover the rest of your financial damages.

Something you should know about us at Morelli Law Firm is that we’re relentless in pursuing justice for our clients.

We want to help you hold the liable party responsible so you can get maximum compensation for your physical therapy, lost wages, pain and suffering, and other damages if you’ve been hurt badly enough to max out your PIP coverage.

When does Third-Party Liability Apply?

If a third party caused the crash and you suffered a qualifying serious injury, you can pursue compensation from the liable party.

Qualifying serious injuries include:

• Fractures
• Serious burns
• Traumatic brain injuries (TBI)
• Spinal cord injuries
• Permanent disfigurement
• Permanent loss of a vital bodily function
• Death

How a New Jersey Car Accident Attorney Can Help You

If you’ve reached the limits of your PIP coverage and were seriously injured due to another driver’s carelessness, a New Jersey car accident attorney from Morelli Law Firm can help you pursue third-party liability coverage to get you maximum compensation.

Investigate the Accident and Collect Evidence

To pursue third-party liability, we need to prove that somebody besides you caused the accident and that you suffered a serious injury as a result.

We’ll investigate the accident and gather evidence such as:

• Traffic camera footage
• Dashcam videos
• Bodycam footage from police officers who arrived at the scene
• Surveillance videos from nearby businesses that may have caught the crash
• The police report
• Your medical records
• Eyewitness statements

Determine Liability

Our experienced attorneys will prove that another party is liable for the crash and owes you compensation for your resulting injuries.

Negotiate With Insurance Companies

We can negotiate with insurance companies on your behalf.

Since they know we aren’t afraid to go to trial, they’re more likely to offer us a fair settlement than they are to offer you one directly.

Take Your Case to Trial

If the insurance company refuses to offer you a fair settlement, our compassionate attorneys are ready to take your case to trial to fight for the money you need to get back to how life was before the accident.

How Much does a New Jersey Car Crash Lawyer Cost?

At Morelli Law Firm, we don’t want to add to your financial burden, so we take contingency fees rather than charging you anything upfront for our services.

We’ll take a percentage of the money we get for you as payment.

If we don’t get you any money, you never owe us a penny, so schedule a free, no-obligation consultation today.

Schedule a Free Consultation With a New Jersey Car Accident Lawyer

When you need a New Jersey car accident lawyer to help you get the compensation you need for physical therapy and other damages, contact Morelli Law Firm.

With our combined 40+ years of experience, we have recovered over $1 billion for our clients. Schedule a free consultation today.