NJ Auto Insurance Information

New Jersey Auto Insurance Policy Information

The value of good auto insurance often doesn't become apparent until
you really need it. Whether it's a minor fender bender or a more
substantial accident, it pays to have insurance coverage you can count
on.

Let one of our experienced New Jersey auto insurance policy specialists
explain the different Liability limits, Comprehensive, Collision, Personal
Injury Protection, Uninsured Motorist, Medical coverages, and deductibles
that are available for you to choose from. We offer affordable truck and
car insurance policies from a leader in the insurance industry.

Learn more about New Jersey Auto Insurance
policy coverage options below!

Click on the link below to fill out a secure quote request form for a NJ
Auto Insurance policy that will provide excellent car insurance
coverage at an affordable cost. Or you can speak with our New Jersey
Auto Insurance agent specialist at 609-430-4744 to discuss the
features.

Click here to fill out a

New Jersey Auto Insurance Policy

quote request form

We are a local central NJ insurance agency, offering affordable New Jersey auto insurance policy
premiums and services in the following cities and counties: Skillman, Princeton, Trenton, Slackwoods,
Ewingville, Bakersville, Lawrenceville, Stoutsburg, Glenmoore, Mount Rose, Centerville, Rileyville,
Mercerville, Hamilton Square, Yardville, White Horse, Groveville, Bordentown, Washington Crossing,
Marshalls Corner, East Windsor, South Brunswick, Plainsboro, Linvale, Harbourton, Mount Airy,
Blawenburg, Deans, Kendall Park, Harlingen, Dutchtown, Pleasantview, Plainville, Hillsborough, Belle
Mead, Flagtown, Franklin Park, Woods Tavern, Three Bridges, Neshanic, Griggstown, Bridgewater,
Finderne, Edison, Middlebush, Millstone, Kingston, Rocky Hill, Zion, Reaville, Cloverhill, Stockton,
Flemington, Sand Brook, Croton, Somerset, Piscataway, Manville, Somerville, Byram, Middlesex,
Washington, New Sharon, Chesterfield, Hamilton, Georgetown, Allentown, Fieldsboro, Hedding,
Roebling, Columbus, Jacksonville, Chambers Corner, Wrightstown, Mount Holly, Monmouth, North
Brunswick, Stanton Station, Willingboro, Cherry Hill, Princeton Junction, Cranbury, Etra, Robbinsville,
Winsor, Edinburg, Dutch Neck, Flemington, Mercer County, Somerset County, Middlesex County,
Camden County, Hunterdon County, Morris County, Burlington County, Ocean County, and Monmouth
County, NJ. We also offer New Jersey auto insurance services throughout the Garden State, including
the Atlantic City, outer Philadelphia, Camden, and Newark, NJ areas.

Collision Coverage - New Jersey Auto Insurance Policy

Covers damage caused to the owners auto from a collision caused by another auto or other
object. The deductible is the amount you choose to pay upfront (if any) before the auto
insurance policy pays. The higher the deductible chosen the lower the collision coverage cost
within the New Jersey auto insurance policy.

Comprehensive Coverage - New Jersey Auto Insurance Policy

Covers damage caused to the insured's auto (your automobile) from risks such as theft, fire,
falling objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is
the amount you choose to pay upfront (if any) before the auto insurance policy pays. The
higher the deductible chosen the lower the comprehensive coverage cost within the New
Jersey auto insurance policy.

Liability Coverage (Bodily Injury & Property Damage)

New Jersey Auto Insurance

Bodily Injury Liability

Injuries that you (insured) cause to someone else is covered under this part of an auto
insurance policy. The minimum liability insurance coverage available for purchase in New
Jersey is 15/30 and is explained in detail below. However, we recommend that you choose
liability insurance coverage amounts that are much higher than the minimums listed below.
Contact us at 609-430-4744 to discuss what liability coverage amounts you require to meet
your family and personal needs.

New Jersey Liability Coverage limits explanation:

15/30/5 15=$15,000 - 30=$30,000 - 5=$5,000

First number = bodily injury liability maximum for one person injured in an accident.

Second number = bodily injury liability maximum for all injuries in one accident.

Third number = property damage liability maximum for one accident.

Property Damage Liability

Damage caused by the insured (you) to someone else's property, such as a motorcycle,
car, truck, fence, or house, is covered through property damage auto insurance coverage.
This coverage also assists in protecting you if a lawsuit arises from an accident. The
minimum coverage amount in New Jersey is $5,000.

Medical Payments Coverage - New Jersey Auto Insurance Policy

Medical payments coverage pays for the medical and funeral expenses for you or others hurt
or killed in an accident while riding in or driving your car or truck. Claims against this coverage
include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing,
prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit
by a car when you are walking or if you are riding in another car or truck. This coverage will pay
for your medical and funeral expenses even if you cause the accident. The coverage is often
limited to medical care you get in the first one, two, or three years after the accident and is
limited to a specific dollar amount. This is a required Auto Insurance coverage in New Jersey.

Click here to fill out a

New Jersey Auto Insurance

policy quote request form

No Fault Coverage (PIP) - New Jersey Auto Insurance Policy

New Jersey does require "No Fault" insurance coverage. This coverage pays medical bills for
injuries suffered in an auto accident regardless of who caused the accident.

Benefits Provided Include:

Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental and
rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces
and splints (including necessary travel related to medical care.)

Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an injury suffered in an
accident.

$5,000 death benefit

Uninsured Motorist Coverage - New Jersey Auto Insurance Policy

Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault
driver who has no auto liability insurance. This coverage is required for Auto Insurance in
New Jersey. Contact us at 609-430-4744 to discuss what uninsured coverage amounts you
require to meet your family and personal needs.

Example of uninsured motorist limits:

20/40 20=$20,000 - 40=$40,000

First number = uninsured motorist maximum for one person injured
in an accident.

Second number = uninsured motorist maximum for all injuries in one
accident.

Underinsured Motorist Coverage - New Jersey Auto Insurance Policy

This coverage comes into play when an at-fault driver has auto or motorcycle liability
insurance, but the limit of insurance is inadequate to pay for your damages.

Underinsured Motorist Bodily Injury Coverage

This type of auto insurance coverage pays for your medical expenses, lost wages, and other
damages when you or your passengers are injured in an accident caused by a driver who has
insufficient auto or motorcycle insurance coverage. The auto insurance coverage typically
pays the difference between the coverage limit you select and the other driver's bodily injury
coverage limit. This is not a required auto insurance coverage in New Jersey.

Underinsured Motorist Property Damage Coverage

Protects you if your auto is damaged in an accident caused by a driver who has insufficient
auto insurance coverage. This coverage pays the difference between the coverage limit you
select and the other driver's property damage coverage limit. This is not a required coverage
in New Jersey.

New Jersey Auto Insurance Policy FAQ

Click on the link below to fill out a secure quote request form for an NJ Auto Insurance
policy that will provide excellent auto insurance coverage at an affordable cost. Or you
can speak with our New Jersey Auto Insurance agent specialist at 609-430-4744 to
discuss the features.

Click here to fill out a

New Jersey Auto Insurance Policy

quote request form

**The information, pictures, and other content in this website about particular insurance services
is only provided for informational purposes. Any decisions regarding your insurance needs should
be discussed with a licensed insurance agent.

Liability Coverage (Bodily Injury/Property Damage)

Collision Coverage

Comprehensive Coverage

Medical Payments

No Fault Coverage

Uninsured Motorist Coverage

Underinsured Motorist Coverage

Comprehensive Coverage

Liability Coverage (Bodily Injury & Property Damage)

Medical Payments

No Fault Coverage

Uninsured Motorist Coverage