Your boyfriend needs to consult a lawyer to see what insurance coverage is available for his personal injury claim. How much coverage is available will depend on the language of he policies.
It is possible for someone to reside in two households but not typical. So, I can't rule out the possibility that your boyfriend is a resident of both your household and his parents' household. That having been said, the priority of coverage begins with "Named Insured" and from your description he is not a named insured. It then moves to "An Insured." From your description, he is not a resident relative of yours even if he lives with you because "boyfriend' does not qualify as relative. He would, however, qualify as a resident relative of his parents if he lived with them and if they were in PA. However, I can't be sure from your description if he lives with his parents. Also, I am not licensed in NJ and so can't comment on their priority of coverage rules. So, he might be an insured on his parents' policy and they might have the primary coverage. The next category of priority applies to occupants of an insured vehicle, i.e. your coverage. So, if he doesn't qualify as "an insured" on his parents' policy then he will be entitled to first party medical coverage under your policy.
The circumstances you describe do not suggest that your boyfriend is subject to limited tort.
Your boyfriend should see an experienced local personal injury attorney for a more detailed response and for help in preparing his claim.
As a permissive driver of your car, your boyfriend is insured for liability, uninsured/underinsured motorist coverage, medical payments coverage or similar coverage if you have paid the premium for this type of coverage. He may well be insured under his parent's automobile policy for uninsured motorist/underinsured motorist and possibly medical payments coverage, depending upon the wording of the policy.
Your boyfriend should not give any statement to the adverse insurance carrier nor should he grant them access to his medical records. Your boyfriend should immediately seek a free consultation with a personal injury attorney in the area where the incident occurred.
Do Not Delay in Seeking an Attorney.
Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to insure proper advice is received.
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