A recent flurry of commuter or tour bus accidents raises various issues with regard to passenger rights and obligations after the accident occurs. Specifically, there are issues concerning notice requirements and medical bills that a layperson may not be aware of after being involved in such an accident, but that an attorney would.
As you may know from our website or prior blogs, any time an individual is injured in a motor vehicle accident, that persons' automobile insurance coverage will be responsible to pay for that person's medical bills as long as they are reasonable and related to the motor vehicle accident. However, most, if not, all motor vehicle insurance policies will have a specific exclusion of medical bills incurred as a result of injury while you are being transported in a bus or other livery conveyance. Accordingly, if you are injured in a bus accident, it may be most prudent to attempt to have your medical bills paid by your automobile insurance carrier and, when declined, utilize your primary health insurance coverage. If you do not have health insurance, it is important to seek legal advice so that an attorney may determine whether or not the insurance coverage on the bus has policy provisions, which would pay for medical bills in the event of personal injury sustained in an accident.
In any event, should you have any questions concerning the payment of medical bills after being injured as a passenger on a bus, you should contact an attorney that has experience in personal injury and insurance coverage.
In addition to issues concerning medical bills, there may also be issues concerning notice requirements. For instance, if you are traveling on a New Jersey Transit Bus, New Jersey Transit is considered a subdivision of the State of New Jersey, and, as such, you would be entitled to place New Jersey Transit on notice within 90 days of your accident if you have sustained injuries and intend to sue.
Again, it is imperative that you contact an attorney immediately should you be involved in any accident of this sort and you suffer any sort of injury. Legal recourse presents various issues that require analysis in order to determine whether or not you are able to recover compensatory damages or coverage for medical care. Call an attorney who has the experience and the knowledge to help you get through the process.
