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Category Archives: New Jersey Insurance

New Jersey Car Insurance

All New Jersey drivers know the Auto insurance landscape in Garden State has drastically changed. Prior to 2009, New Jersey drivers were limited to very few choices when it cam to obtaining liability insurance for you car, truck or SUV. Because of the population areas in the northern part of the state and the coastal risks along its eastern border, insurance companies have very difficult time trying to post a positive underwriting profit. Further, the statutory limitation created by the New Jersey legislature in those days made it even more difficult to correct a carriers rate filing. Most people notice that all auto and homeowners insurance carriers have a different rate. The rates a carrier charges is based on an actuaries finite estimation of how many claims an insurance company will need to pay for in relation to the amount of insurance premium the carrier will collect from it’s customers annual and monthly. These actuaries are highly educated individuals and are very good at what they do. Under normal circumstances, a set of auto insurance or homeowners rates files with the New Jersey Department of Insurance will perform as planned. As I mentioned before New Jersey has 3 issues it must overcome.

Until January 1st 2009, most companies had a difficult time making a profit, because of the changes the New Jersey Department of Banking and Insurance put in place after that date – things have changed for the better. Regardless whether you are purchasing a new auto insurance policy or you are about to renew an existing policy; understanding the coverage required to meet the minimum coverage requirements of the state and what coverages you need to protect your assets are two very different things. And to choose the right coverage for your individual situation, you’ll need to consider a number of issues regarding not only the car you drive, but also when you drive, where you drive, and what additional and optional coverages you may need. Do you rent or own your own home? Do you have assets to protect? Will your own health insurance cover auto accident injuries? How much insurance coverage can you afford? If you have a bank loan on my car, do you need to carry Comprehensive and Collision? These are some of the questions you’ll need to discuss with a licensed insurance agent before making car insurance coverage choices.

In New Jersey:

  • All Insurance Agents, brokers and carriers must tell you about all the coverage options available when applying for a new auto insurance policy. In addition, as an auto insurance client, you have the right to ask the same information during the policy period.
  • You have the right to shop for auto insurance at any time during the policy period. If an agent states you can’t shop during the policy period, this in not the truth. Some Insurance agents may say this to hold on to you as an auto insurance customer. This is also true when your policy is up for renewal.
  • You have the right to change your coverages and policy limits at any time, even if you are not near your renewal date. If you select options that save you money, you have a right to a refund of your unused premium within 60 days.

New Jersey Counties

  • CAMDEN, NJ County
  • ESSEX, NJ County


Taxi Service Charged With NJ Commercial Auto Insurance Fraud

Post Date August, 5  2012 –  An owner of a taxi and limousine service based in Newton, New Jersey was indicted for falsely registering and insuring his service vehicles in New Jersey to obtain lower NJ Commercial Auto insurance premiums. The New Jersey Attorney General,  identified the accused as Moustapha Lo, owner of Safe & Fare… Continue Reading

Comprehensive Car Insurance May Not Cover Theft?

Post Date August 1, 2012 – Three car owners reported to Police their vehicles were burglarized in Vineland, New Jersey.  A spokesman for the Vineland, New JerseyPolice Department stated the the thefts took place the second week of July 2012. It’s not known if  comprehensive car insurance is available to pay claims. The owners of… Continue Reading

NJ Auto Insurance Coverage May Pay For Suspicious Fires

NJ auto insurance coverage should pay for truck damage.  Evesham, New Jersey Police Department are looking into three suspicious fire that occurred at the same address for the third time this year. The residence which is located in a unit block at Wessex Place in Evesham Township. The latest fire occurred  during the evening of… Continue Reading

NJ Homeowners Insurance Rates May Increase In East Brunswick

Post Date  July 30, 2012 – At least four houses may see their NJ HomeownersInsurance Rates increase after they were damaged and four others evacuated.  The fire was initially identified when firewas seen escaping through the roof of one building in the morning of June 13, 2012, in East Brunswick, New Jersey. Though the fire had… Continue Reading

Car Insurance Rates In Atlantic City NJ On The Rise

Post Date July, 28 2012 –  Car insurance rates on the rise after Police Department records show the intersection of has the most number of crashes than any other intersections in the entire city of  Atlantic City, New Jersey.  Records indicate that between 2008 and 2011, a total of 113 At Fault Accidents took place at  that… Continue Reading

NJ Car Insurance Rates Will Increase After Accident With School Bus

Post Date July 27, 2012 – Brick, New Jersey Driver should see his NJ car insurance rates increase after his At Fault Accident. Six children and one adult were reportedly injured after his car collided into a school bus full of children at the intersection of Olden Street and Route 88 in Brick, New Jersey.… Continue Reading

Car Insurance Broker Defrauds Perth Amboy, NJ

Post Date July, 26 2012 –  A car insurance broker whom also marketed health insurance products from Baltimore, Maryland pleaded guilty recently to stealing more than $2 million from the Perth Amboy Board of Education and the City of Perth Amboy in New Jersey. Francis Gartland of Gartland and Co. along with his other two… Continue Reading

Boat Insurance Fraud Means Arrest For Wildwood NJ Man

Post Date July 14, 2012 – Pleading guilty for boat insurance fraud,  a Wildwood, New Jerseyresident was sentenced to eight months of house arrest and five years probation.  Arthur “Todd” Vitola, 50, pleaded guilty before U.S. District Judge Renee Marie Bumb.  He was charged with one count of conspiracy to destroy a vessel on the… Continue Reading

Car Insurance Payments Stolen By Agent

Charged with  not remitting car insurance payments, an auto insurance agent from Westfield, New Jersey was charged with theft. The Attorney General in New Jersey identified the accused as Virginia Larsen.  She was charged missapplication of car insurance payments, entrusted property and property of the government. Larsen works as an insurance agent and  company officer for… Continue Reading