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Initial Steps To Take When Injured In An Accident

The first reaction people have when they are involved in a motor vehicle or fall down accident is almost always masked with a rush of adrenaline. When an accident first occurs, initial feelings of being disoriented and perhaps even frenzied are common. It is important, however, to try to keep your wits intact and to take the following steps.

1. Safety First! The first priority for you and your family after an accident is to make sure you are in a safe place. If you are remaining inside your vehicle, make sure there is no smoke or suspicious fumes coming from your automobile. Also, make sure you are in a safe place on the roadway or highway.

2. Always take photographs. In a motor vehicle accident, take photographs of property damage and the scene of the accident.

3. Report it. Call the police in case of a motor vehicle accident or give your statement to a store manager if you fall down inside a store. Make sure that you get the police report or incident report.

4. Always report your motor vehicle accident to your insurance.

5. Go to the Emergency Room! Due to that adrenaline rush, many people do not feel or recognize the pain in the moment, but quite often injuries resurface later on, sometimes even that same evening!

6. Do not ignore any pain that you are feeling. Follow up with your doctor and get into treatment right away!

7. Never admit fault.

8. Contact one of our car accident specialist attorneys at 732-514-6635 and receive a free case evaluation as you may be entitled to money damages for time lost from work, medical expenses, and your injuries.

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Why Extended Medical Coverage Is Important

In all standard New Jersey auto insurance policies the insured is provided with PIP coverage. PIP provides medical benefits to the insured, relatives of his/her household and occupants of the vehicle when involved in a car accident that involves an “automobile”. Not all vehicles are considered an “automobile.” For example, motorcycles, buses, cabs, and limousines do not meet the definition of “automobile.” So under most circumstances when involved in a motor vehicle accident you will be covered by PIP.

But what happens when there is an accident and you are the occupant of some other type of vehicle such as a motorcycle, bus, cab, or limousine? In those instances, PIP will not be available because those vehicles do not meet the definition of “automobile”. So if PIP benefits are not provided in those types of situations, who will cover your medical expenses?

Under New Jersey law your auto insurance policy is required to have another type of coverage known as Extended Medical Expense benefits. This part of your policy covers you if you are injured operating or as a passenger in a vehicle other than those defined as an “automobile.” NJ auto insurance carriers are required to provide a minimum of $1,000 of extended medical expense benefits, and the insured driver can choose to increase that coverage up to $10,000. It is always better to choose $10,000 in coverage because you can never predict how much medical care you will need in case of an accident.