Legal Question in Insurance Law in New Jersey

Personal Injury Protection from accident

i was driving my boyfriends dads car and we got in an accident. It was the other parties fault he even stated that on the police report. My boyfriend and I sustained injuries and are now being treated for them. My boyfirend is going to use his dads PIP insurance to pay for the medical bills but they wont pay for mine becuase i do not live with them. His insurance comapany is saying that since i live with my father who has his own auto insurance, that i would have to use my fathers even if the accident had nothing to do with my father or his car. The thing is that i am not on my fathers policy becuase i never ever drive his car. I do not know what to do now to get the PIP benefits. Any toughts on what i should do?


Asked on 2/21/09, 4:19 pm

2 Answers from Attorneys
John Ducey Law Offices of John G. Ducey, PC

Re: Personal Injury Protection from accident

You should immediately apply for covergae through your dads policy. If they say no, then you send that denial to your boyfriends carrier.

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Answered on 2/22/09, 7:53 pm
Daniel Cevallos Cevallos & Wong, LLP

Re: Personal Injury Protection from accident

You need to talk to an attorney right away. There are many levels of insurance that may apply here, including health insurance and PIP insurance from your coverage, his coverage, and the other party's coverage. In fact, your boyfriend's insurance might actually be on the hook, and they might be improperly denying your coverage. Either way, it is essential that you speak to an attorney who can handle the entire medical claim for you and your claim for damages. Your boyfriend should speak to an attorney as well. Give our offices a call and we can either set up an appointment or we can set up a conference call to discuss your options (no cost for consultation). Looking forward to speaking to you.

-Danny Cevallos, Esquire

267.639.3105

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Answered on 2/21/09, 5:22 pm


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