Auto insurance: If you are injured in a car accident, New Jersey’s no-fault laws dictate that you must carry personal injury protection (PIP) as part of your auto coverage. When an accident occurs, each driver should utilize their coverage to pay for expenses up to policy limits, regardless of who is at fault.nnPrivate health insurance: You can choose whether to use your health insurance to cover medical expenses related to car accident injuries. This provides you with two avenues of coverage, first with your personal health insurance and second with your auto insurance coverage.nnMedical liens: Medical liens are a repayment demand health insurer to recover a portion of expenses paid for treatment of your injuries that will be extracted from any settlement you receive that you are directly responsible for through your copay or direct billing.nnMedicaid: Medicaid pays for medical expenses at a significantly reduced rate for those qualified and covers almost all costs related to your injuries and care. Medicaid is entitled to a portion of your settlement to recoup some expense, much less than health insurance liens.nnMedicare: Medicare covers many medical expenses for those 65 and older.nnWorkers' Compensation: If you are injured at work, Workers’ Compensation pays for medical expenses, partial lost wages, and disability.