In the State of New Jersey, an auto policy, which may include liability, under-insured coverage, uninsured coverage and PIP, will apply to any situation where an automobile is involved. This applies whether you, as the insured, are in the vehicle or not. As such, if an automobile is involved in the accident and you are either a pedestrian, a biker, a driver in another vehicle or even riding a skateboard, your auto coverage will apply to these instances. Further, so long as at least one vehicle is involved, you may seek coverage from your auto policy.
There are, however, some instances where your auto policy does not apply. The most obvious and simple example is where an automobile is not involved in the accident. For example, if you trip and fall on an icy sidewalk or you fall off your bicycle without the presence of a vehicle, your auto policy will not apply.
A more nuance exclusion applies when there is a motorcycle and vehicle involved in an accident. In this situation, the motorcycle by law must also be insured to be driven on a public road. So, in that instance, the accident may be covered by the motorcycle policy rather than the auto policy. However, in any other circumstance involving an automobile, auto policies would cover.
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