by Guest » Sat Dec 01, 2007 10:39 am
My accident occured in Northern California.
I have California insurance. The other driver has New Jersey insurance.
I called to find out some info about the other driver's NJ policy because I wanted to submit some medical bills. The NJ insurance company said they had no responsibility for my bills since their customer's policy was a "no-fault" policy and thus they would only pay his medical bills.
Does the other driver having a so-called "no-fault" policy affect the pursuit of the claims? Are there any limits as to what the other driver can get from me? Are there any limits as to what I can get from him?
I have California insurance. The other driver has New Jersey insurance.
I called to find out some info about the other driver's NJ policy because I wanted to submit some medical bills. The NJ insurance company said they had no responsibility for my bills since their customer's policy was a "no-fault" policy and thus they would only pay his medical bills.
Does the other driver having a so-called "no-fault" policy affect the pursuit of the claims? Are there any limits as to what the other driver can get from me? Are there any limits as to what I can get from him?
Posted: Sat Dec 01, 2007 01:23 pm Post Subject:
Good morning FThomson, and welcome to the community....
Sorry you were involved in an accident...glad no serious injuries resulted...let's see if we can't help you out....
It is my understanding (thru 21years of claims work) that ALL auto policys must 'conform' to the state laws that the accident OCCURED in...(unless in a rare case that a policy has an exclusion or endorsement that doesn't allow the vehicle out of it's home state, but in that case there would be NO coverage at all) in your case CA, the state laws of CA in effect 'trump' the policy, if that makes sence.....CA is NOT a PIP state and where the accident occured.....the only states I am aware that are PIP (no fault) are:
Florida (currently expired in Oct. 2007, will reinstate Jan 1. 2008)
Hawaii
Kansas
Kentucky
Massachusetts
Michigan
Minnesota
New Jersey
New York
North Dakota
Pennsylvania
Utah
I called to find out some info about the other driver's NJ policy because I wanted to submit some medical bills. The NJ insurance company said they had no responsibility for my bills since their customer's policy was a "no-fault" policy and thus they would only pay his medical bills.
Who did you call? Who told you this? An agent or an adjuster? Sales, or claims?Are there any limits as to what the other driver can get from me? Are there any limits as to what I can get from him?
Yes, all coverages, except collision and comprehensive which are the vehicles ACV (actual cash value) have limits...For instance CA's min. limits are 15/30/5 (I can't believe the 5k!!! yikes!)...which means 15k limit for bodily injury you cause per person per (per accident)..30k per accident (total-per wreck regardless of number of people injured)...5K limit for property damage that you are responsible for (hope you have higher limits than that! That is just asking for trouble!)....NJ's limits are exactly the same, with the exception NJ is also a no fault state....if however their limits were lets say 5/10/2...and NJ resident only had that (made up) min limit of 5/10/2 and were at fault for a wreck in CA those limits would have to conform to CA's 15/30/5...see? At any rate the limits are the MOST that can be paid under those coverages...So if you only have a 5k limit on your property damage coverage and you cause 10k in damages to the other vehicle then you my friend are paying that additional 5k...same with any other coverage...
You don't say who is at fault, the facts of the loss...what injuries etc are....If you would like to provide us with more information we can be in a better position to assist you further...
I would be interested to know who told you they wouldn't be paying any injury claim (assuming other guy is at fault)...because he has a 'no fault' policy.... :?
Let us know how we can help you thru this...
Posted: Sat Dec 01, 2007 05:01 pm Post Subject:
Yup.. OP, I'm going to guess that you call the agents office and spoke to some idiot (sorry) who answers the phone (I hate when those people do a job that is not theirs and that they know nothing about).
If you spoke to the adjuster... be afraid... very afraid. :lol:
Posted: Sun Dec 02, 2007 10:47 am Post Subject:
Yup.. OP, I'm going to guess that you call the agents office and spoke to some idiot (sorry) who answers the phone (I hate when those people do a job that is not theirs and that they know nothing about).
ME TOO!If you spoke to the adjuster... be afraid... very afraid.
ha ha THAT would be VERY scary! :shock:
http://www.ampminsure.org/claims/about3482.html
This one must have the same office as well! :evil:
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