I got in a hit and run accident and the insurence company stated I was not at fault. I only have liability?

Question

coverage. My friends that are in the car with me are going to get themselves checked out for injuries. I gave them all my insurence info. Are they covered through my insurence or are they going to have to sue me for their medical payments.
BTW-I didn't get the tag of the person that hit me.

coverage. My friends that are in the car with me are going to get themselves checked out for injuries. I gave them all my insurence info. Are they covered through my insurence or are they going to have to sue me for their medical payments.
BTW-I didn't get the tag of the person that hit me.
Also I live New Jersey

Answer 1

I work for a personal injury firm in NJ. This is a no-fault state. So this is how it works....First, every person whether they have full coverage or just liability, has Uninsured Motorist Coverage. Which will apply to your cases. In order for your car to get fixed, you have to open up an uninsured motorist property damage claim. You have a deductible, which will apply to this. So they'll deduct the deductible from the total due to your car.

Second....if your friends are injured, they have to go through their households insurance company. So if they don't have their own insurance, they would have to go through their parents or siblings car insurance. In the event that there is no car insurance in their households, they would go through yours. This type of coverage is called PIP. Its for all medical bills.

If they are hurt and want to sue, they might have to sue your Uninsured Motorist Coverage, however, due to the fact that you weren't at fault, its possible that your friends might have to sue their own household insurance company because its likely that your insurance company will deny their bodily injury claims. If you are hurt, you can sue, as well.

Just a reminder....here in NJ, a copay and deductible does apply. The standard is $250.00 deductible and 20% of the first $5,000.00 billed. So if you do the math, its about $1,250.00, which comes out of your pocket.

Don't take it personal if your friends sue you. They are not suing you personally, they are suing your insurance.


And no you are not out of luck for Uninsured Motorist Coverage, trust me, you are entitled to it. If you need any help, just ask.

Answer 2

In NJ medical bills work like this: Each person who is injured has to go to their own auto insurance for their medical bills (it is covered under each person's PIP coverage). They will have a deductible & co-payments just like health insurance. There will be a maximum out of pocket amount. If the person injured does not have their own coverage, then the next place they go is any auto insurance in their own household. If there is no auto insurance in their household, THEN they go to your PIP for coverage.
The other answers are wrong regarding uninsured motorists coverage - Uninsured motorists coverage is different in different states. If you did not get the tag (& no one else did either) & if you do not have collision coverage you are out of luck in NJ for damages to your own vehicle. You will have to pay for the damages to your car yourself. The only way uninsured motorists coverage pays in NJ is if you KNOW who hit you and IF they do not have insurance.
Now, suing in NJ is a whole other story. Passengers can sue you for bodily injury even if you were not at fault because they are ABSOLUTELY not at fault & since there is no one else, you are the only one they can sue. But, if they have their own auto coverage, their right to sue is determined by what they picked on their policy (verbal threshold or zero threshold) -Verbal threshold limits their right to sue (to MAJOR injury - best to check with an agent in NJ to get an explanation) and zero threshold which allows them to sue for any injury. From what I hear - zero threshold is VERY expensive. If they do not have their own policy, the household member's insurance would determine right to sue. If there is no insurance in the household, I believe it is assumed that they have zero threshold & can sue for anything.

Answer 3

As "george 2" stated, you are protected if you live in a "no fault" state such as New York. If not, you probably would have to wait for an insurance company decision. They know many people claim "hit and run" when in fact it was a one car collision and the insured is looking to "scam" the system to avoid penalties!
If you called police and they investigated, a police report was filed, and they indicated a "hit and run" then you're probably ok. You have to keep in mind insurance companies are cracking down "BIG TIME" on insurance fraud!

Answer 4

Depends on your state. Most of the time Liability does not over personal injury of passengers. That is generally a separate coverage called Personal Injury Protection (PIP). Check your policy and your local laws.

Answer 5

Your insurance company will handle this under UMPD (uninsured motorist property damage).

Since no information on the other vehicle is available, it is handled as if an uninsured person hit you.

You will pay a deductible, typically $250 for your vehicle damages and they will pay the rest.

You passengers are covered by UMBI and Medpay or Pip (depending on the state you are in).

You have insurance and are not responsible for anything but the deductible.\

Claims adjuster

Answer 6

Check these two sites (below) describing common insurance coverage terms. The Underinsured Motorist Bodily Injury (UNDUM) section may provide the details you are looking for. I didn't see anything specific to "hit and run" but it might apply.

Answer 7

What do you mean your friends are going to get themselves checked out for injuries? They're either injured or they're not...what, they need someone else to tell them they're hurt? C'mon......

IF you carry MP on your policy, they are automatically entitled to that benefit. Depending on your state and your policy, they may have a UM claim under your policy.

Answer 8

yes they are, the inc you got is what most take out now, it to cover the other person, an to cover you an you passuner, but it going to be the other driver that hit you the inc going to charge,,,if you was hurt, are the one with you ,you both can filed on their inc, ,,now if your friend wish, they could sue you an you inc , too, but i see the person, thet hit you ,, ran, so it going to be left up to your inc to cover them

Answer 9

if you live in a state that has no fault insurance then they would be covered either from your insurance, or their parents if they are dependents.