NJ - Will I lose the car insurance claim against me?

Question

I recieved a summons and referred it to my insurance company and I have been assigned a lawyer. My question is this; since no tickets were issued at the time of the accident and it was my word against his for running a red light (I said he did, he said I did - no proof, no witnesses), Am I liable? Doesn't he have to prove that I was negligent to reap any kind of reward from me?

Answer 1

Word vs word usually settles 50/50.  So, if he has minor injuries, he must have zero threshold to sue you, if he has major injuries, he can have verbal threshold.  If he is awarded a judgement in court (or if your company settles before court), he would only get 50% of what his injuries are worth.

Example, a court or your company decides that the injury is worth $20,000, your company would pay him $10,000 for his injuries since the other $10,000 is essentially his fault.

Answer 2

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Answer 3

Depends on how credible you appear to the judge. NJ is the most insurance hostile state in the union, 90% of the judges are incompentent and ALL the politicians are crooks.

Good luck....