Repost your question on the New Jersey Avvo page and everyone should put their carriers on notice of a possible claim.
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The insurance company of anyone involved as a driver or injured passenger or owner of property damaged should notify their insurance companies timely. You wil then get opinions from the defense attorneys if need be.
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As the other attorneys suggest, report the claim to all applicable carriers. If they have a legitimate basis for denying the claim then your parents and brother may need to hire personal counsel.
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If you have not reported the accident to your parents insurance company, do it now! Assuming that he was driving your parents car with their permission, coverage may not be a problem. Consider co silting with a NJ personal injury attorney as well. Good luck.
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