I was T-boned by a woman who ran a stop sign.
She was cited, I have a witness, and he is in the police report. The damages to my vehicle were well over her $5,000 limit, but the car was not totaled. The ins. company said, since it was over the limit, I should go through my own insurance and have them subrogate. That is obviously not possible. My medical treatments have been going through my own health insurance. I have lower back issues, vertigo, a facial scar from a laceration, and my clothing in excess of $300 was destroyed from the blood. I know a scar can count towards a bodily injury claim. I know NJ is a pay to play state, but does that count for a civil suit if I choose to sue her personally for the damages?
Thanks for reading