Whose insurance is responsible- NJ driver, NY passenger – Florida car accident?

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Whose insurance is responsible- NJ driver, NY passenger – Florida car accident?

My dughter was a passenger in a car, registered and insured in NJ, that was involved in an auot accident in FL. We live and are insured in NY. The driver was issued a ticket for careless driving. Her (driver) insurance company says the claim has to go through my insurance company, is that correct? Which state laws are followed in this kind of situation? I don’t feel my ins. co. should have to be involved. There was no broken bones that we are aware of at this point, just stiff and sore, lost time from work. Can youi please advise????

Asked on April 21, 2009 under Accident Law, New York

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 13 years ago | Contributor

If there is personal injury, see a lawyer where the accident occurred, as while one could sue elsewhere, Florida would be the most likely venue. AttorneyPages.com lists outstanding Florida auto accident lawyers.

As for having your company handle it, sure if you're talking only property damage and she was driving or it was your car. You'd have a deductible at first but it would save you all sorts of hassle, and when your carrier goes after the other driver and his company you'll likely get the funds back and have avoided all sorts of gamesmanship.

 


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