Primary NJ Insurance Coverage

PERSONAL INJURY PROTECTION Otherwise known as PIP,” this is your medical coverage for injuries you (and others) suffer in an auto accident. PIP pays if you or other persons covered under your policy are injured in an auto accident. It is sometimes called “no-fault” coverage because it pays your own medical expenses no matter who caused the auto accident.

PIP has two parts(1) coverage for the cost of treatment you
receive from hospitals, doctors and other medical providers and any medical equipment that may be needed to treat your injuries and (2) reimbursement for certain other expenses you may have because you are hurt, such as lost wages and the need to hire someone to take care of your home or family.

LIABILITY This coverage pays others for damages from
an auto accident that you cause. It also pays for a lawyer to defend you if you are sued for damages that you cause.

There are two kinds of liability coverage: BODILY INJURY and PROPERTY DAMAGE.

BODILY INJURY LIABILITY COVERAGEPays for claims and lawsuits by people who are injured or die as a result of an auto  accident you cause. It compensates others for pain, suffering and economic damages, such as lost wages.

PROPERTY DAMAGE LIABILITY COVERAGEPays for claims and lawsuits by people whose property is damaged as a result of an auto accident you cause. (May also be purchased as a combined single limit with bodily injury liability coverage.)

UNINSURED MOTORIST COVERAGEPays you for property damage or bodily injury if you are in an auto accident caused by an uninsured motorist.

UNDERINSURED MOTORIST COVERAGEPays you for property damage or bodily injury if you are in an auto accident caused by a driver who is insured, but who has less coverage than your
underinsured motorist coverage

COLLISION COVERAGE Pays for damage to your vehicle as the result of a collision with another car or other object.

COMPREHENSIVE COVERAGEPays for damage to your
vehicle that is not a result of a collision, such as theft of your car,
vandalism, flooding, fire or a broken windshield. However, it will pay if you collide with an animal.

For more information regarding the Auto Insurance Policy Rules, Regulations and Options; send you questions to: or call (800) 807-0762

A State Law Change Could Raise Auto Insurance Rates

Insurance Regulators in North Carolina are discussing changes in state auto insurance law which could lead to much higher auto insurance rates for North Carolina drivers.

Insurance Commissioner Wayne Goodwin said in April 2011; he opposes doing away with his authority to limit auto insurance rate increases. The current auto insurance system supports over 100 auto insurance companies whom have filed auto insurance rates in North Carolina. These auto insurance companies often request auto insurance rate increases throughout a normal year.

Insurance Commissioner Goodwin has said drivers in North Carolina don’t understand auto insurance companies can decide they no longer want to insure a driver’s auto insurance liability. This risk can easily be transferred to a state pool where every North Carolina driver pays an auto insurance policy surcharge to defray the cost of funding the pool. These auto insurance companies may impose a higher auto insurance premium for property damage and other parts of the auto insurance policy to increase their profitability. North Carolina State regulators say the auto insurance surcharge averages $13 a year per driver per year and supports the system which prevents auto insurance companies from increasing rates.

Although there seems to be bad news in many economic areas, Auto Insurance does not need to be one of them. The good news is, the Auto Insurance Rates offered by Mike Dortch and the Licensed Agents at have never been lower. They represent more auto insurance carriers than any other licensed insurance web-site. Please call (800) 807-0762 or log on to to see how much you can save. Short on time; you can also email or Fax your Declaration Page to or (215) 362-9203.  Your auto insurance quotes will be provided upon request.

North Carolina Insurance Requirements:

North Carolina State Flag 

North Carolina State Flag

North Carolina car insurance requirements start at 30/60/25.

This means you must have NC auto insurance in the amount of $30,000 coverage for bodily injury liability per person and $60,000 coverage for bodily injury liability total per accident.

You are also required to carry at least $25,000 coverage for property damage liability total.

If the damage to either people injured or auto damage/destruction exceeds these limits, you will be responsible for for the difference.

Due to that fact, we urge you to check out getting more coverage than the bare minimum when buying North Carolina auto insurance.

Direct Insure or Insurance Direct?

If you are any one of the 500,000 car insurance shoppers who have found us in your local Telephone Directory throughout the United States; you know there’s only one InsureDirect.

The agents of InsureDirect have sold car insurance to both preferred drivers and those with accidents, Tickets and Violations since 1992.

Starting in 1998, car insurance shoppers who wanted to visit us online could log-on to or do a Google Search for; Direct Insure, Direct Insurance, Insurance Direct or Insure Direct, Insure-Direct, or one word InsureDirect.

Unfortunately, since we joined the car insurance marketplace on the world-wide web, there have emerged more than a dozen domains that are doing a really bad job of trying to look and sound like Well, nothing succeeds like success, and they do say that imitation is the sincerest form of flattery.

InsureDirect’s President and Founder, Michael E. Dortch has said, “it’s very frustrating when you have worked for over a decade building and nurturing a national brand just to have someone with $25.00 buy a copy cat domain in order to skim off – and even worse – rip off your customers.”

When you have been referred to InsureDirect by one of our 3000 Auto Dealership partners nationwide or enter in your internet address bar – you will easily find us. Sadly, many others car insurance shoppers get lost when entering our address in the Google Search Bar.

Although we typically come up as the #1 organic search in Google, the other websites on that page which are using a similar looking domain address, or have purchased our Domain Name as a Google Ad-word keyword phrase are counting on confusing you in order to divert your desired search to their web-site.

There are many different useful search terms you can use to find your way to the one and only Example: You can find   by searching the following:

  1. Insure Direct
  2. Insure-Direct
  3. InsureDirect
  4. Direct Insure
  5. Direct Insurance
  6. Insurance Direct is the only car insurance agency in the United States which maintains the required permissions from numerous States Department of Insurance to use the name “Insure Direct” in conjunction with the sale of car insurance.

Since many of these “look alike” domains are not licensed to sell car insurance, they are not aware of the state registration requirements of using the words insurance, insure or assurance. is also the only domain which holds two U.S. Federal and State Trademarks for terms “InsureDirect”,, Insure-Direct and

So, when you come to us, you can be assured you’re dealing with a real auto insurance agency, and not some fly-by-night lead aggregator who just wants your information so they can sell it, and resell it to the highest bidder.

The Easy Way to Compare Quotes, Get the Best Auto Insurance Rates

Info Update: Probably every day, maybe several times a day you are likely to hear advertisements for auto insurance companies promising that you’ll “save hundreds” on your auto insurance versus the other guys.

Have you ever wondered how so many difference insurance companies all claim that they are the best car insurance company with better and cheaper rates than the others? The truth is that only one insurance company will be able to give you the best deal. And this company might be different than the one that can get your neighbor the best deal. Effective auto insurance comparisons are not always easy to do.

It all depends on several factors like the type of car you drive, your driving record and the records of anyone else you need to insure. Also, car insurance companies will look at how many cars you need to insure, what type of insurance you need, etc. The list goes on and on and this is why everyone’s policies will be different.

Easy Way to Compare Insurance Quotes

So how do you know which auto insurance company will have the lowest possible rates to insure your car(s)? One thing you can do if you really want to get the best deal is to talk to several auto insurance providers, give them all your information and compare quotes.

This process can literally take days and days. Getting a hold of an agent, giving them all your information, waiting to hear back from them; then repeating the process with multiple other insurance companies. Who has time to sit around for days on end calling dozens of insurance companies for quotes?

No one does. That is one of the reasons that many people aren’t getting the very best deal. It takes too much time to compare quotes this way so many drivers end up taking the first decent quote they get. And who can blame them? There may be a better deal out there, but there simply isn’t the time to find it. Not the old fashioned way at least.

Fortunately for busy, thrifty people, there is an alternative that still lets you compare auto insurance quotes without having to take vacation time to do so. You can compare auto insurance quotes online. This way you can be sure that you are getting the best deal without wasting hours of your life.

Buying car insurance online is a real time-and-money saver.  You get quotes from all those companies that tell you they have the best rates so you can see for yourself which ones have the best rates for you. And all of this is done online in one place quickly and easily.

The reason this works so well is because the dozens of auto insurance companies out there know that they can’t give the best deal to everyone. If one provider could, we would all use that one.  By giving quotes online, the insurance companies all get a chance to get your business, so it’s a good deal for them.

The better deal though, is for you the consumer. You get a list of quotes from several well-known companies. Once you get the quotes, you choose the best one, buy your insurance and you are done. Isn’t technology wonderful?

This is obviously a great deal for those that don’t have insurance and need to get some quickly. It’s also great for those that are covered but aren’t sure if they are getting the best rates.

To make sure that you are getting the best deals on auto insurance year after year, compare auto insurance quotes online every 6 -12 months. Your current provider could raise your rates, which may not make them the best choice anymore. At the same time, another company might have the lowest car insurance – offering you a better deal than they had been able to give you before. It only takes a minute and can save you a lot of money each year.