To realistically make a financial recovery, you would need uninsured motorist coverage on your policy. If you have that, then you may recover up to the policy limit. Seek help from a qualified personal injury attorney.
First, I agree that you should consult with your own personal attorney. The reason is that the insurance company has an obligation to try to resolve this matter for an amount within your policy limits of $100,000.00. Your personal attorney can push for that resolution and/or protect you from an excess claim by notifying the carrier that failure to take advantage of any offer to settle within the policy limits will be treated as the carrier's breach of their obligation to you and you will...
Call the attorney listed on the Complaint in the top left corner and tell him they have the wrong person. They may have picked up your address for a "like-named" person. Or someone may have used your name with a false driver's license. You should also call your insurance company so that they immediately step in and protect your rights. Your rates should not go up if you were not at fault.
If you owned a motor vehicle and did not have insurance on it, then you are deemed to have the limited tort threshold, which means that you cannot recover for intangible losses such as "pain and suffering" (but can for out of pocket expenses, e.g. wages and medical bills in excess of the statutory minimum) unless you meet one of the statutory exceptions. To determine if you meet one of those exceptions, you need to consult a PA personal injury attorney.
I agree with Mr. Rubenstein. Your liability is a different question from whether your insurance on the vehicle must cover the driver's actions. You should report what you know to your insurance company and if they believe that the driver was not a permissive user such that he would be covered, they may take one of several actions: cover the driver, not cover the driver, or they may cover the driver under a "reservation of rights" provision such that they may defend the driver (hiring an...
Presuming that your injuries (if you were injured) are similar from both accidents, the best course of action is to file one lawsuit against all responsible parties for both accidents. Then you will not suffer the problem of each defendant blaming the other accident for your injuries and maybe getting less than you deserve.
Call a personal injury attorney ASAP. In the mean time, either you or someone else should get photos of where you fell while conditions are still substantially the same as what they were when you fell. If you were coming out of the business, take photos of what it looks like leaving the business. If you were on the property to use the business, then they owed you a higher duty of car versus if you were just walking through their property.
If you were in a car accident, you have an obligation to inform your insurance carrier about it - generally within 30 days. The best way to address your doubts and questions is to contact a NJ personal injury attorney ASAP who will probably give you a free consultation.