NJ is no fault state.

来源: 于 2019-02-01 12:59:17 [博客] [旧帖] [给我悄悄话] 本文已被阅读：次

https://www.201injury.com/Our-Blog/2018/May/Is-New-Jersey-a-No-Fault-Auto-Insurance-State-.aspx

You should have bought more PIP insurance. 

You can try to talk to personal injury lawyer, but I am not optimistic.