Brown v. Williams

The opinion of the court was delivered by

KESTIN, P.J.A.D.

Plaintiff, a pedestrian wholly innocent of fault, was injured on September 10, 2003,* when a parked car backed into her as she was crossing a street at an intersection in Paterson. Defendant Fannie Y. Williams owned the vehicle; defendant Stanley Williams was driving it.

The only motor vehicle insurance coverage available to plaintiff as a result of that accident was a “basic policy” covering the Williams vehicle, issued by Allstate Insurance Company (Allstate). Plaintiff had medical coverage through a Medicaid source, which acquired a…