What if I dont have car insurance and the person that causes the accident either doesnt have insurance or leaves the scene of the accident and doesnt get caught?
In either of these types of circumstances you may still be able to make a claim. If you are involved in an accident and the person that caused the accident is uninsured and you have no car insurance in your name you may be able to make a claim against an automobile insurance policy of a family member. To do so you must reside with that family member and you must be an immediate family member of the person who purchased the insurance policy. New Jersey Auto Insurance laws define an immediate family member as a spouse or a child.
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