I live in NJ. I was hit from behind, and injured in an auto accident. I suffered 6 slipped disc in my back, and neck. I was fully covered, and so was the person who hit me.
Something doesn’t sound right in your scenario, my suggestion, consult with an injury lawyer to protect your rights.
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They probably want an affidavit that you have no OTHER insurance than their policy. If you’re unsure, consult with an experienced personal injury attorney.
As indicated by Mr. Brown, it is likely seeking that you affirm that you do not have any other insurance policies. If the Affidavit is not clear as to this issue you should consult with an experienced personal injury attorney for the affidavit issue and for a potential personal injury lawsuit.
Kevin M. Regan, Esq.
I am presuming that the affidavit your insurance company wants to you sign and have notarized is an affidavit of no additional insurance. If they are representing you for this accident, common sense would tell you that you have insurance for this claim with them. They just want to rule out any additional auto insurance or umbrella coverage insurance.
I would cooperate with them but you may want to go over the affidavit with your own personal attorney to confirm that is what the insurance company wants.
Were you injured in an auto accident that was not your fault? Do you have an attorney? If so, ask him/her. If not, I urge you to consult ASAP with someone who handles only personal injury cases. If you were injured and have an injury claim, an affidavit of no other insurance is likely relevant only so the insurance company for the car that you were in will pay your accident-related medical bills. It would also establish that you would have “no threshold,” which makes it easier to be compensated for your injuries.
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