Elmer, NJ Personal Injury Law Firms & Lawyers

There is a saying in the Insurance Industry. "Insurance runs with the vehicle involved in the accident." If your aunt was not at fault for the accident, then you can make a claim against the responsible party. If the responsible party does not have insurance, then your ONLY recourse is to make an uninsured motorist claim under her policy. However, if your aunt WAS at fault, your only hope for a claim is with your Aunt's policy. She should check with her agent to see if this claim would be considered a "non chargeable accident" , which would not affect her rates. Note, though, all insurance policies are different.

Yes !  you paid for the expert's report as part of the fee that you paid.  In a sense you "bought " those documents and are entitled to a complete copy of everything from the file.  When your case is complete, you are entitled to a copy of everything in the file.  Your attorney should have supplied you with a copy of whatever the expert report said so that you could review it before it was submitted to court.