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What happens when a Pennsylvania driver gets into a NJ auto accident?

There are many implications for PA drivers who get into NJ car accidents. First depending on whether or not the driver who caused the accident was from NJ, you may have to file a claim against a New Jersey auto insurance company and file a lawsuit in New Jersey as opposed to Pennsylvania.

You should next determine whether your PA insurance company does business or owns a subsidiary company that does business (whether personal auto or commercial auto insurance policies) in New Jersey. If your PA auto insurance company does business in NJ, you will be subject to the NJ Limitation on Lawsuit restriction similar to Pennsylvania's Limited Tort restriction

...EVEN IF YOU PICKED FULL TORT ON YOUR PA AUTO POLICY.

You will also have NJ's PIP benefits available which include $250,000 of medical coverage, and other 1st party benefits.

If your PA auto insurance company does NOT do business in NJ (these are rare), you will NOT be subject to NJ's Limitation on Lawsuit restriction and you will have the equivalent to Full Tort in PA. Erie Insurance Company is a popular Pennsylvania auto insurance company that currently does not do business in New Jersey.

There are also many other important insurance claim and legal considerations to consider. If you are involved in a multistate auto accident situation, don't be mislead by the insurance companies, find yourself an experienced Pennsylvania and New Jersey auto accident lawyer. The personal injury attorneys at Saile & Saile LLP represent injured persons throughout the States of New Jersey and Pennsylvania.

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