I live in New Jersey and was involved in a fender bender last week. It was my fault. Will I have to pay for the other driver’s damages or does their insurance pay?
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear you were involved in an accident! New Jersey is a no-fault state. But, despite its name, this doesn’t mean that no blame is assigned in an accident.
Here are the differences between an at-fault and no-fault state:
In an at-fault state, or a tort state, the driver who caused the accident pays for the other driver’s damages that resulted from the collision.
In a no-fault state, drivers turn to their respective insurers for compensation for medical expenses resulting from an accident, but the at-fault driver is usually still on the hook for paying for the other driver’s property damage.
New Jersey is one of twelve no-fault states. The rest are:
Florida
Hawaii
Kansas
Kentucky
Massachusetts
Michigan
Minnesota
New York
North Dakota
Pennsylvania
Utah
An at-fault accident will undoubtedly increase your
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