Yes if you vehicle is insured in New Jersey, every state has different insurance laws, but to my knowledge the Eastern US states,MA, PA and New York, usually work in a similar way in that your insurance will pay for the other party that the unlicensed driver hit if you have insurance for the vehicle, it does not have to be full coverage, your liability portion on your policy will cover the damage to the other vehicle. In NJ, everyone who is insured must carry liability insurance, which covers the other vehicles involved. If you have collision coverage, once you meet your deductible, your damage will be covered for your vehicle in this case. This is an at fault accident, and most likely your rates will increase, especially in the State of New Jersey. Credentials of er: Previous New Jersey auto adjuster and currently recovery agent for 2nd largest insurance carrier in the U.S. Hope this answer helps.
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