Legal Question in Insurance Law in New Jersey

Out of state auto accident

I am an insured driver from the state of Maryland and rear ended an insured driver from New York in New Jersey. Since it was a rear end accident and they were at a complete stop, I know I will be the ''at fault'' party. My main question is that since both New Jersey and New York are no fault states, will this affect my situation in any form?

After the accident, my vehicle only had minor cosmetic damage and I am fine. The other car had damage to the rear bumper and possibly trunk latch. At the time of the accident, only on of four passengers said they felt pain and refused medical treatment. Then when I spoke with my insurance agent, he said that 3 were now claiming injuries.

Also at the scene of the accident, the police were called and filled out a report and allowed both drivers to leave without issuing any tickets.

This is my first auto incident of any kind in 10 years of driving and I am very nervous as to how this will all proceed. Any insight or words of advice would be appreciated.


Asked on 12/21/04, 11:23 am

2 Answers from Attorneys
Alan Albin Alan S. Albin, Attorney at Law

Re: Out of state auto accident

First, you did the right thing by reporting the accident to your insurance company. They will assign a lawyer to your case. Keep contacting your agent until you find out who the defense lawyer is.

Second, this will probably definitely affect your insurance rates, regardless of whether any claims are paid.

Third, for Gosh sake, DO NOT discuss the accident with anyone, except your lawyer! You just admitted liability on the Internet. Keep your mouth shut.

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Answered on 12/23/04, 6:15 pm
John Ducey Law Offices of John G. Ducey, PC

Re: Out of state auto accident

If you do get sued for personal injury or for property damage to the other car your insurance company will provide you with defense counsel. That is part of the reason why we all pay for insurance (defense) there is alos indemnification which will cause the company to pay damages up to your liability limits.....anything above that will be your responsibility.

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Answered on 12/21/04, 1:38 pm


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