New Jersey is a no fault state, so the insurance for the car you were in covers your medical expenses. Im my case it was any expenses in the first two weeks following the accident were automatically covered and after that they had to approve it. I don’t know if that is standard policy for the state, or if those dates were particular for my insurance. For suing, I was told by my lawyer, that it had to be proven to be a permanent injury that would not improve with medical intervention or time.