Post Date August 25, 2012 – New Jersey Auto Insurance Options and additional car insurance coverage can easily and inexpensively improve a standard auto insurance policy. New Jersey Auto Insurance Options add the value other than those required by law in the state of New Jersey. The State of New Jersey, specifically the NJ Department of Motor Vehicle requires any driver whom has a registered motor vehicle maintain at least the state’s minimum amount of coverage for Bodily Injury, Liability and Property Damage. This is commonly known as financial responsibility. This auto insurance coverage will insure that if their vehicle causes injuries and/or property damages to people or property. The state of New Jersey also requires any vehicle owner maintain a minimum amount of coverage for Personal Injury Protection (PIP). This will compensate other for their injuries and basic economic losses after an accident regardless of whose fault the incident was.
New Jersey Auto Insurance Options
Aside from the previously mentioned required coverages, New Jersey Auto Insurance Options are just as important. The following list are New Jersey Auto Insurance Options which are available.
• Collision – This coverage will provide cover for your vehicle’s damages caused by collision with another vehicle or any objects. Your insurer will pay for the damages your vehicle incurred regardless of who is at fault.
• Comprehensive – When having this coverage, your insurer will pay for the damages incurred by your vehicle instigated by any other causes except that of collision such as fire, windstorm, flood, vandalism, flying or falling objects, etc. This coverage will also pay in the event that your vehicle is stolen, and will also provide for your transportation expenses as your vehicle is unserviceable.
• Medical Payments – With this, your insurer will pay for you, your family members and passengers’ medical and funeral expenses whoever is at-fault of the incident.
• Accidental Death and Dismemberment – This coverage will provide financial aid to the insured party as he or she succumbed to serious injuries or death due to an auto accident. Other New Jersey Auto Insurance Options include Towing and Labor, Rental Reimbursement.
Michael E. Dortch
President & Managing Agent
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania 19446
(800) 807-0762 Option 1