What affect will the new auto insurance laws have on my ability to obtain reimbursement for medical costs?
Under the automobile insurance legislation recently passed by the New Jersey State Legislature and Governor Whitman, unless you choose to purchase less insurance, you are still entitled to $250,000 of medical coverage (PIP — as described above) under most circumstances. Nevertheless, your rights and abilities to obtain such coverage have been severely curtailed. Under the new law, the Commissioner of Insurance must establish “protocols” to determine the appropriateness of medical treatment. That is, regulations will be established to determine what, in the normal case, is appropriate treatment. This will include the type and length of treatment. What will happen if your case is not “normal?” This remains to be seen. If you find that your rights to medical care are being abused or limited to your detriment, it is important that you contact an attorney to assist you and that you complain to your state legislator. If you choose less insurance coverage, you are entitled to that amount of
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