Step-by-Step Guide After a Car Accident in New Jersey
Drivers talking on the road right after a minor car accident — no visible injuries, but medical evaluation is still important.
What to Do After a Car Accident in New Jersey
If you’re injured or confused after a car accident, you’re not alone. This guide will help you take the right steps immediately after an accident in New Jersey — including how to get proper medical care and file a PIP claim.
Step 1: Ensure Safety First
Move your vehicle to a safe place if possible.
Turn on hazard lights.
Call 911 if anyone is hurt.
Step 2: Call the Police
In NJ, you must report any accident with injuries or over $500 in damage.
Wait at the scene for the police to arrive.
Ask for the case number and officer details.
Step 3: Exchange Information
Full names and contact details
Driver's license numbers
Insurance company and policy numbers
Vehicle make, model, plate number
Step 4: Take Photos and Get Witness Info
Damage to all vehicles
Scene details (signs, lights, road markings)
Any visible injuries
Names/contact info of witnesses
Step 5: Don't Admit Fault
Don't say "I'm sorry" or "It was my fault."
Just state facts. Let police and insurance decide fault.
Step 6: File a Police Report (if not already done)
If police didn’t come, file a report within 10 days.
Step 7: Visit a Doctor or Injury Clinic
Even if you feel okay, injuries like whiplash, back pain, or internal bruising often show up days later.
Where to Go:
Urgent Care or ER if pain, dizziness, or bleeding
Injury Clinic for continued care, physical therapy, diagnostics
What to Ask For:
Medical report with crash clearly noted as cause
Imaging results (X-ray, MRI, etc.)
Copy of all bills and diagnosis
Why It Matters:
These records are essential for insurance claims and possible legal action.
Step 8: Submit a PIP Insurance Claim
New Jersey uses a no-fault system, so your own insurance covers your medical bills first under PIP (Personal Injury Protection).
What to Do:
Submit:
Medical reports
Receipts
Proof of injury (photos, reports)
Ask your clinic if they can help submit directly to your insurer
Save a copy of everything
Tip: Your PIP coverage usually includes ER visits, follow-ups, therapy, and diagnostics.
Step 9: Contact a Personal Injury Lawyer (Optional but Helpful)
If you're unsure about your rights, insurance coverage, or serious injuries are involved, speak to a lawyer.
Many offer free consultations
They work on a contingency basis (you don’t pay unless you win)
Note: This blog is for informational purposes only and does not provide legal advice. Contact a licensed attorney for legal questions.
Clinic Checklist for Patients (Printable / Downloadable Option)
Bring to Your Appointment:
ID and insurance info
Police report number or copy
Photos of injuries and the vehicle
Any paperwork from ER or previous doctors
Ask Us For Help With:
Submitting PIP paperwork
Referrals to specialists
Understanding your insurance limits
Disclaimer: This article is for informational purposes only and is not a substitute for professional medical or legal advice. Always consult a licensed professional for your specific situation.
© 2025 [Blessen Abraham]. All rights reserved.