Jan's rights against Doug involve seeking compensation for her medical bills and other damages resulting from the accident. She will need to pay her $1000 deductible before her insurance coverage starts. Jan may also pursue additional damages from Doug by filing a personal injury lawsuit.
Jan's rights against Doug would involve seeking compensation for her medical bills and other damages resulting from the accident. Since Doug was at fault, he would be responsible for covering the costs incurred by Jan.
However, due to the deductible in Jan's basic PIP insurance, she would be required to pay the $1000 deductible out of her own pocket before her insurance coverage kicks in.
After paying the deductible, Jan can file a claim with her insurance company to seek reimbursement for the remaining $4000 of medical bills.
The insurance company will then either pay her the full amount or a percentage depending on the terms of her policy.
In addition to the medical bills, Jan may also pursue additional damages from Doug, such as compensation for pain and suffering, lost wages, and other related expenses.
This would involve filing a personal injury lawsuit against Doug and proving her case in court.