According to the New Jersey Department of Banking and Insurance (NJ DOBI) auto insurance buyer's guide the unlimited right to sue and limited right to sue options only cover lawsuits for “pain and suffering” or non-economic losses. Your medical expenses and some economic losses for injuries in auto accidents will be paid up to the limits of your PIP coverage and are not affected by the choice you make here.

If the other party is not going to pay for the car's damages personally or through their insurance company then you may want to use your own collision coverage or see about a lawsuit against the driver and/or owner of the car.

For more information on your situation and what options you have contact your insurance agent and the NJ DOBI.

For an affordable auto insurance quote for New Jersey, follow this link.