Under New Jersey laws your auto insurance carrier is responsible for paying your medical bills. Private auto insurance policies carry what is called personal injury protection coverage. That coverage is used to pay your medical bills up to your limits minus your deductible and copayment if applicable. This does not mean that in all cases your medical bills are paid by your insurance company. For example if you are driving a taxicab most taxicab policies do not include personal injury protection. However there are exceptions to every rule and you must examine your auto policy for all the coverages that you pay for.