NJ is no fault state.

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. 

所有跟帖： 

• 这么说来出了事没对方啥事，都得自己保险公司付，所以一定得买最高保险，是吧？ -贴心她妈- ♀ (0 bytes) () 02/01/2019 postreply 15:57:21

• 人身伤害对方不管，汽车修理对方管。 -柠檬椰子汁- ♂ (0 bytes) () 02/01/2019 postreply 16:20:37

• 谢谢科普 -贴心她妈- ♀ (0 bytes) () 02/01/2019 postreply 18:10:51

• 链接里讲，“Bodily Injury Liability Coverage”是肇事者付对方的。 -N.- ♀ (0 bytes) () 02/01/2019 postreply 19:48:27

• +1 也看到这句，被撞者人身伤害医疗，由肇事方的保险负责支付。 -pickshell- ♀ (0 bytes) () 02/02/2019 postreply 04:02:31