New Jersey Auto Insurance
The state of New Jersey wants drivers and passengers to be safe when they're on the road, so the Garden State mandates that auto insurance covers several bases. Drivers must carry bodily injury and property damage liability, personal injury protection, and uninsured/underinsured motorist coverage.
Bodily injury liability covers medical expenses if someone is injured in a collision you caused and property damage liability can help pay for damage you cause to another's vehicle or other property. Personal injury protection can cover any medical coverage you may need after a wreck, and in some cases, lost wages.
Uninsured/underinsured motorist coverage protects you in instances when you're struck by a driver that either doesn't have insurance or doesn't have enough coverage for necessary repairs or medical costs. These coverages are important because you'll have some protection when you're at fault in a collision and when you're not.
Following are the minimum liability coverages and how they apply
- $15,000 coverage for bodily injury per person
- $30,000 coverage for total injury per accident
- $5,000 coverage for property damage
One thing to note: Those minimums might not be enough. Once your insurance provider pays up to your policy limits, you're responsible for any other costs you might occur.
There's one other situation you should consider protecting yourself – or at least your vehicle – for when you cause an accident. Liability coverage, as mentioned above, helps repair the other person's car. But what about yours?
To help with repairs with your own vehicle when you cause an accident that damages it, you'll need collision coverage. And comprehensive coverage can pitch in with repairs necessitated by fire, flooding, vandalism and other problems.
Ask about these New Jersey car insurance discounts
New Jersey drivers can qualify for a number of discounts on their car insurance policies, including:
- Claim-free discount.
- Homeowners discount.
- Multi-policy discount.
- Multi-car discount.
- Good student discount.
- Safety devices discount.
Contact a HomeInsurance.com representative to see if any of these discounts can be applied to a new policy with a leading provider. Do it today!