New Jersey is a no-fault auto insurance state. This means that regardless of who is responsible for an auto accident, each driver will report the accident to and claim damages from their own insurance company.
If the other driver does not have insurance, it may complicate things. Your own insurance provider will cover initial costs, but if your injuries or damages are severe and exceed your policy limits, then you may need to go after the responsible driver with a third-party Atlantic City car accident lawsuit.