This is a form notice to the insurance carrier of a person involved in a motor vehicle accident.
This is a form notice to the insurance carrier of a person involved in a motor vehicle accident.
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Collision covers damage to your car from an accident with another car or a physical object, such as a deer. Comprehensive covers damage to your car from events other than a collision, such as theft, fire, or vandalism.
If a NJ driver is injured in a car accident caused by another negligent driver, the injured driver's own car insurance company will pay for his/her injuries. This may seem counterintuitive; however, it is New Jersey's car accident law. New Jersey is a no fault state.
The no-fault law does not apply to property damage. In a no-fault state (like New Jersey), each driver's insurance will pay for their medical costs, lost wages, and essential services no matter who is to blame for the accident. However, the at-fault driver will still be held responsible for vehicle repairs.
New Jersey is one of only 12 no-fault car insurance states. To make things more complicated, it uses a unique ?choice? no-fault law. You may need assistance from a car accident attorney to understand New Jersey's complex no-fault system and recover fair financial compensation after your car crash.
If your car is damaged in an accident and you're not at fault, you still have to pay your deductible, but NJM will work with you through a process called ?subrogation? to try and recover your deductible from the other driver's insurance company.
So, in short, in a no-fault state like New Jersey, each driver involved in a crash would pay for their own medical bills, lost wages, and other accident-related bills regardless who is at fault by making a claim against their PIP. However, the at-fault motorist must still pay for the other party's vehicle repairs.
The standard limit on Guam mandated by Public Law 20-216 is $25,000 each person and $50,000 per accident. Property Damage Liability: Protects you if your car damages someone else's property. The standard limit on Guam mandated by Public Law 20-216 is $20,000 per accident.