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NJ schools race to address mental health needs NJ Spotlight News

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Surprise: Your Car Insurance Plan May Not Cover High Medical Bills After A Crash : Shots

Erica Seryhm Lee for KHN hide caption toggle caption Erica Seryhm Lee for KHN A car accident in 2019 smashed six of Mark Gottlieb s teeth and severely damaged four vertebrae. The spinal surgery he needed as a result led to medical bills that exhausted the personal injury coverage in his auto insurance. Erica Seryhm Lee for KHN Mark Gottlieb s life changed in an instant when another driver crashed into his car at an intersection in Hackensack, N.J., damaging four vertebrae in his upper spine and smashing six teeth. In the months following that January 2019 crash, Gottlieb got the teeth crowned and, for debilitating neck pain, tried injections, chiropractic care and physical therapy. The treatments were all covered by his car insurance.

Car insurance nightmare: After wreck, hospitalized patient faces $700,000 bill for spinal surgery because of car, auto insurer rules

Erica Seryhm Lee / KHN Mark Gottlieb’s life changed in an instant when another driver crashed into his car, damaging four vertebrae in his upper spine and smashing six teeth. In the months following that January 2019 crash, Gottlieb, 59, a marketing consultant in Little Ferry, New Jersey, got the teeth crowned and, for debilitating neck pain, tried injections, chiropractic care and physical therapy. The treatments were all covered by his Geico car insurance. As in 12 other states, New Jersey law requires drivers to buy personal injury protection, or PIP, coverage to pay medical expenses. Gottlieb had the maximum: $250,000. Unfortunately, Gottlieb’s pain persisted.

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