Q: If "A" clearly ran a stop sign and t-boned my truck, how can he have insurance without pip? Witnesses -yes Lose my trk
I lose my trk to the towing co. I had basic coverage and shared no responsibility in the crash. I hurt my hip.
A:
If the other vehicle is one with 4 wheels, it is not possible for it to have auto insurance that excluded PIP - but in any event, that driver's PIP coverage, if any, would be for the purpose of covering THAT driver's medical bills. It is the LIABLITY coverage of that driver's policy that covers your damage in the event the accident was that driver's fault. Property damage liability is currently legally required, so if the other driver had any auto insurance, it would have included property damage liability. Bodily liability coverage is not required, which is why it's important, on you OWN policy to carry Uninsured/Underinsured coverage (also known as "UM" coverage). You own PIP covers your own medical bills up to an extent, then the other driver's bodily liability coverage, if any, would kick in, not only for your medical bills, for also for pain & suffering damages. If the other driver had NO bodily liability coverage, then your UM coverage, if any, would kick in for the above. If there's no bodily liability coverage and no UM coverage, there's no insurance money available for your bodily injuries beyond your PIP, but you could still sue the other driver - and an issue there would be collectibility.
By the way, the law on what coverages are required might be changing as of next January, depending on whether the governor signs a particular bill into law.
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