In a NJ accident with a NJ driver at fault and a PA driver which policy covers the Bodily Injury claim?

All insurance policys must conform to the laws of the state that the vehicle is being driven/wreck in. Whom ever is at fault for the loss, their policy will cover the injured party. If the N.J. driver is at fault then their policy will pay the injured PA driver under the N.J. policys bodily injury coverage. Subject to the rules of the state..Is it a p.i.p. state? If so the thresold must be eclipsed.

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