Whose insurance to call after an accident
Brandon J. Broderick, Personal Injury Attorney at Law
After a car accident, many New Jersey residents wonder whose insurance they should call. If you believe the accident wasn’t your fault, should you call the other driver’s insurance company??New Jersey’s no-fault car insurance laws?make for a unique situation in the state.
Whose Insurance Should You Call After an Accident in New Jersey?
You should call your own insurance company first, regardless of who you believe is at-fault for the accident. You may have to file two claims – one with your insurance company and another with the other driver's insurance. Because New Jersey is a no-fault car insurance state, you must first file a claim with your own insurance.
How New Jersey’s No-Fault Insurance Laws Affect Your Claim
New Jersey, like New York and a handful of other states, have no-fault car insurance laws. These laws dictate that your own Personal Injury Protection (PIP) insurance is the first, primary insurer in the event of any accident. Even if you weren’t driving or were a?pedestrian hit by a car, your own PIP insurance first applies.
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The minimum amount of personal injury protection insurance a driver must purchase in New Jersey is $15,000 -- regardless of whether or not they choose the?Basic or Standard policy. Drivers can opt for coverage amounts as high as $250,000 with a Standard policy. These coverage amounts are intended to pay for your medical expenses and optionally lost wages if you are injured in an auto accident.
PIP insurance does not cover property damage, aka damage to your car and its contents, and it does not cover?intangible losses?if you are injured – such as pain and suffering or mental anguish.
When to File a Claim with the Other Driver’s Insurance
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