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Without knowing who your carrier is, insurance will definitely pay for it but they will probably "adjust" your rates unless you can find some better info on state/local dealings with people in similar situations. Your insurance guy (the agent at your local place you get insurance) would probably be a good person to ask about this stuff. They've generally seen everything and know a lot of this info (especially for NJ as you live there and the accident happened there). Good luck.
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