One Hurt in Four-Car Crash on I-78 WB in Union, NJ

Union, NJ (November 12, 2026) – One person was hurt in a four-vehicle wreck on I-78 westbound near the Garden State Parkway exit in Union on Thursday night, November 12. The collision was reported at about 10:38 p.m.

Initial reports indicated the person had leg pain. One vehicle may have been smoking.

Emergency units responded to assist those involved. The bottom of a nearby ramp was also flooded.

The cause of the crash is under investigation.

We hope the injured person recovers quickly.

Who Pays My Medical Bills After a Multi-Vehicle Crash in Union, NJ?

After a multi-vehicle crash in Union, your medical bills are usually paid first by your own personal injury protection (PIP) coverage, no matter who caused the crash or how many drivers were involved. Standard New Jersey policies often include $250,000 in PIP, but some drivers choose as little as $15,000.

If you chose your health insurance as your primary coverage, your health plan pays your medical bills first. PIP then picks up the costs your health plan does not cover, such as copays and deductibles, up to your policy limit.

Once your PIP limit is reached, you may be able to seek payment from the insurance of the driver or drivers found responsible. When several drivers are involved, more than one policy may apply to your remaining medical bills and other losses.

To pursue pain and suffering, you generally need a serious injury if you chose the limitation on lawsuit option on your auto policy. Examples include a permanent injury or a displaced fracture. Your medical records also help show that your injury meets this standard.

To document your losses, keep your medical records, itemized bills, and receipts in one place, along with notes about missed work. You should also get a copy of the crash report from the New Jersey State Police.

Under New Jersey law, you generally have two years from the date of the crash to file a personal injury lawsuit. If you miss this deadline, you could lose the right to seek compensation.

If questions arise about who should pay your medical bills, a Union car accident lawyer can go over your PIP coverage and any other available policies. An attorney can also resolve disputes once your costs exceed your PIP limit.

At The Law Offices of Sander Budanitsky, we help people injured in multi-vehicle crashes across New Jersey. Our team reviews the details of each case and explains the insurance coverage that may apply.

A multi-vehicle crash in Union can leave you dealing with treatment, missed work, and insurance calls. Call our Union car accident lawyers at (908) 241-3445 to discuss what happened and learn how we may help.

Note: This post has been prepared using publicly available secondary sources. The facts surrounding the incident have not been independently confirmed. If you believe any portion of this report contains inaccurate or outdated information, please contact The Law Offices of Sander Budanitsky, L.L.C. so we can promptly review and update the content to ensure accuracy and reliability.

Disclaimer: The information presented in this post is intended for general informational purposes only and should not be construed as legal or medical advice. Reading this post does not create an attorney-client relationship, nor does it constitute a request for legal representation. If you or a loved one has been injured in an accident, please seek immediate medical care.

Any images included in this post are for illustrative purposes only and do not depict the actual accident scene.