This office lease clause describes the allocation of risks. The parties desire to allocate certain risks of personal injury, bodily injury or property damage, and risks of loss of real or personal property by reason of fire, explosion or other casualty, and to provide for the responsibility for insuring those risks as permitted by law.
New Jersey No Fault Clause
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Multi-State
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US-OL25072
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How to fill out No Fault Clause?
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FAQ
In essence, no-fault laws in New Jersey dictate that your own insurance company will cover medical expenses resulting from car accidents, regardless of who is at fault for the accident.
If someone else is driving your car and gets in an accident, your car insurance will likely cover any resulting damage. Car insurance generally follows the car instead of the driver, so the car owner's insurance will cover the crash, even if someone else is driving.
In a no-fault claim, the parties are not required to prove any party's blameworthiness to resolve the claim. In contrast, parties to a fault-based claim must prove a party was at fault to prevail on the claim.
If a NJ driver is injured in a car accident caused by another negligent driver, the injured driver's own car insurance company will pay for his/her injuries. This may seem counterintuitive; however, it is New Jersey's car accident law. New Jersey is a no fault state.
New Jersey is a no-fault state, which means your accident damages are typically paid for by your own insurance policy, regardless of whether you or another driver was at fault. In New Jersey, the damages are paid by the driver who caused the accident (or that driver's insurance policy).
In a no-fault state (like New Jersey), each driver's insurance will pay for their medical costs, lost wages, and essential services no matter who is to blame for the accident. However, the at-fault driver will still be held responsible for vehicle repairs. One or more parties could be at fault in a collision.
Unfortunately, it is possible if you are sued for damages, the court finds you at fault for the car accident, and the damages exceed the value of your home.
The no-fault law does not apply to property damage. In a no-fault state (like New Jersey), each driver's insurance will pay for their medical costs, lost wages, and essential services no matter who is to blame for the accident. However, the at-fault driver will still be held responsible for vehicle repairs.