Legal Question in Insurance Law in New Jersey

Re: auto insurance

That depends on all the facts...

Where did you leave the car running? In front of your house in a decent neighborhood? How long was it left? Did you do it on a street in a bad part of New Brunswick?

If you are grossly negligent, you may be sh__-otta luck. But, if you were warming up you car in your drive in a decent neighborhood, that's not negligent, let alone grossly negligent. If you left it run to run in a Wawa for a cup of coffee, that may have been grossly negligent.

Few things in life have simple answers, and NOTHING about insurance does.

Good luck, you may need it.