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OT: Rear ended by NJ Transit vehicle. Help

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jay_hq

All American
Apr 24, 2010
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My car was stopped completely at a stop and next thing you know, an NJ transit SUV (one of those supervisior SUVs) rear ended me.

My car is really messed up from behind. Anyone know what kind of insurance nj transit has and the best way about going with this is?
 
Well first off, your neck and back hurt really really bad right? I mean really bad, correct?
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jay_hq said:
My car was stopped completely at a stop and next thing you know, an NJ transit SUV (one of those supervisior SUVs) rear ended me.

My car is really messed up from behind. Anyone know what kind of insurance nj transit has and the best way about going with this is?
Click to expand...
You didn't exchange insurance info when it happened?
 
Was there a police report? If so get a copy and make sure everything is accurate. Wife got hit once by someone backing up. Initial police report had her hitting other car from behind which was subsequently corrected.
 
Do not go to work for the next 2 years, complain of symptoms like neck pain, back pain, joint pain, Bad dreams, incontience, impotence, oily flatuence, unable to satisfy your partner, your boss or yourself. And that's just the beginning...

Then....Better Call Saul.
 
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Scarlet_Scourge said:
Don't listen to these suckers. You did the right thing by posting to a college football board first before doing anything else.
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What's crazy is if you look in the NJ MVC manual it says if involved in a motor vehicle crash consult a college football message board for advice.
 
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Tango Two is right. Call your insurance company and explain what happened. It should not be difficult for your company to figure out if NJ Transit has insurance (they may self-insure) and who the carrier is. Of course, the more information you have, the easier it will be for your insurance company to verify what happened.
 
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rubaseball78 said:
Was there a police report? If so get a copy and make sure everything is accurate. Wife got hit once by someone backing up. Initial police report had her hitting other car from behind which was subsequently corrected.
Click to expand...

Same thing happened to me decades ago. I was in a multi car accident during a snowstorm. I stopped before hitting anyone in the pileup but the guy behind me didn't. Another car hit the car that hit me, knocking him past me. The report had me hitting him. I called the police in the town (West Milford). They said the other guy would need to confirm it to get the report corrected. I called and he refused.

I was pissed as I had gone out of the way to drive him home in my damaged car after the accident. I called him back and got his Father. I explained what was going on. He said he'd call me back. Less than an hour later his Father called me back and said he and the kid would meet me at the station whenever I wanted to get it corrected. Honorable man.
 
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camdenlawprof said:
Tango Two is right. Call your insurance company and explain what happened. It should not be difficult for your company to figure out if NJ Transit has insurance (they may self-insure) and who the carrier is. Of course, the more information you have, the easier it will be for your insurance company to verify what happened.
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It's so simple

No idea how some people make it through life day to day
 
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As recommended above, get yourself checked out by a doctor, as it sounds like this was a significant hit. Just a quick anecdote: my colleague's wife was on the Amtrak train that crashed in Philly. He picked her up from a hospital and took her back home to NYC. When I talked to him the following day I advised him to get her to a doctor asap. Good thing he did: she should never have been released from that hospital. So get yourself checked out tomorrow if you can.
 
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rubaseball78 said:
Was there a police report? If so get a copy and make sure everything is accurate. Wife got hit once by someone backing up. Initial police report had her hitting other car from behind which was subsequently corrected.
Click to expand...
How do you get the police report corrected?
 
After an NJ Transit vehicle rear ends you prison should be a cake walk.


:cool2:
 
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Don't need a doctor, cop or insurance info. Your attorney will diagnose you with complete and permanent sexual dysfunction. All you need is a good answer when the NJT lawyer asks, "it was your neck hurt in the accident, right?"
 
jay_hq said:
My car was stopped completely at a stop and next thing you know, an NJ transit SUV (one of those supervisior SUVs) rear ended me.

My car is really messed up from behind. Anyone know what kind of insurance nj transit has and the best way about going with this is?
Click to expand...

I know if you are hit by a municipality vehicle they are not held liable for any damages. Not sure if NJ Transit would be treated the same. In the first scenario, they reimburse you for your deductible but your insurance company pays for any other damages - what does this mean? It means your rates will go up do the claim being paid out by your company. How much depends on the company and what type of loss. Again, i don't know if NJ transit would be handled in this way.
 
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RUsojo said:
I know if you are hit by a municipality vehicle they are not held liable for any damages. Not sure if NJ Transit would be treated the same. In the first scenario, they reimburse you for your deductible but your insurance company pays for any other damages - what does this mean? It means your rates will go up do the claim being paid out by your company. How much depends on the company and what type of loss. Again, i don't know if NJ transit would be handled in this way.
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Huh , so if a municipal driver is at fault my insurance has to pay and would still go up ?? That doesn't seem right
 
Plum Street said:
Huh , so if a municipal driver is at fault my insurance has to pay and would still go up ?? That doesn't seem right
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Yeah it sucks. It's an exemption I didn't know about until a friend went through it.
 
RUsojo said:
I know if you are hit by a municipality vehicle they are not held liable for any damages. Not sure if NJ Transit would be treated the same. In the first scenario, they reimburse you for your deductible but your insurance company pays for any other damages - what does this mean? It means your rates will go up do the claim being paid out by your company. How much depends on the company and what type of loss. Again, i don't know if NJ transit would be handled in this way.
Click to expand...

thanks. this is the answer i was looking for. or should i say, afraid of getting.

i see the pathetic db's like tango two are out in full force. how pathetic must someones life be to behave like that.
 
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RUsojo said:
I know if you are hit by a municipality vehicle they are not held liable for any damages. Not sure if NJ Transit would be treated the same. In the first scenario, they reimburse you for your deductible but your insurance company pays for any other damages - what does this mean? It means your rates will go up do the claim being paid out by your company. How much depends on the company and what type of loss. Again, i don't know if NJ transit would be handled in this way.
Click to expand...
jay_hq said:
thanks. this is the answer i was looking for. or should i say, afraid of getting.

i see the pathetic db's like tango two are out in full force. how pathetic must someones life be to behave like that.
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I don't think that is true. Try and relax, take tomorrow off and talk to your insurance person. Also ask them about renting a car, you probably can for free.
 
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Sue em. This is an obvious ploy to make you use public transportation.
Find out if your the only one that some NJ transit Supervisor used his bumper car to put an end to private transportation and force all of NJ on buses and trains.
 
RUsojo said:
I know if you are hit by a municipality vehicle they are not held liable for any damages. Not sure if NJ Transit would be treated the same. In the first scenario, they reimburse you for your deductible but your insurance company pays for any other damages - what does this mean? It means your rates will go up do the claim being paid out by your company. How much depends on the company and what type of loss. Again, i don't know if NJ transit would be handled in this way.
Click to expand...

Ummm.... isn't that also true for most accidents in NJ. NJ is a no-fault state. That means it doesn't matter who is at fault, and they don't assign liability. Your insurance pays your claim and the other driver's insurance pays his claim.
 
Upstream said:
Ummm.... isn't that also true for most accidents in NJ. NJ is a no-fault state. That means it doesn't matter who is at fault, and they don't assign liability. Your insurance pays your claim and the other driver's insurance pays his claim.
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It is not true for most accidents. If there is clearly defined responsibility for the cause of the accident, either in full or partial, typically deemed from eye witness accounts and documented police report, the insurance companies will subrogate the claim. The at fault drivers insurance company will foot the bill rather than the innocent drivers company. When that happens, the one insurance company pays the other, and the insurance company that is indemnified will not penalize their insured.

This is why when you believe you were not responsible for the accident that you don't move the vehicles and always call the police to file a report.
 
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