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Drive with Confidence: Every Vehicle in New Jersey Needs Insurance
Protect yourself and others on the road by understanding the importance of car insurance in New Jersey. Failure to maintain adequate insurance can lead to hefty fines, license suspension, and even jail time. Don't let an unexpected accident shatter your financial security.
Navigating the Insurance Landscape
Driving uninsured is not an option. New Jersey law requires all registered vehicles to carry proof of financial responsibility. Motorists must possess liability insurance, which covers bodily injury and property damage caused to others. Additionally, coverage for uninsured and underinsured motorists is mandatory.
Choosing the Right Coverage
The amount of insurance you need depends on your unique situation. The state sets minimum coverage limits, but you may want to consider higher levels of protection to safeguard your assets. Be sure to discuss your options with an experienced insurance agent who can guide you through the process.
Stay Informed and Protected
By understanding your insurance obligations, you can ensure your financial well-being and the safety of everyone on the road. Don't hesitate to reach out to your insurer with any questions or concerns. Remember, every vehicle in New Jersey must be insured for your peace of mind and the protection of others.
Every Vehicle in New Jersey Must Be Insured For…
Personal Injury Protection (PIP)
PIP covers medical expenses, lost wages, and other costs associated with injuries sustained in a car accident, regardless of who is at fault. New Jersey law requires all drivers to carry a minimum of $15,000 in PIP coverage.
Bodily Injury Liability
Bodily injury liability insurance covers damages for injuries or death caused to others in an accident that you are responsible for. New Jersey requires all drivers to carry a minimum of $15,000 per person and $30,000 per accident in bodily injury liability coverage.
Property Damage Liability
Property damage liability insurance covers damages to property, such as other vehicles or buildings, caused in an accident that you are responsible for. New Jersey requires all drivers to carry a minimum of $5,000 in property damage liability coverage.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage provides protection in the event that you are involved in an accident with a driver who is uninsured or underinsured. New Jersey requires all drivers to carry a minimum of $15,000 per person and $30,000 per accident in uninsured/underinsured motorist coverage.
Collision Coverage
Collision coverage pays for repairs or replacement of your vehicle if it is damaged in an accident, regardless of who is at fault. Collision coverage is optional in New Jersey, but it is recommended for most drivers.
Comprehensive Coverage
Comprehensive coverage pays for damages to your vehicle caused by non-collision events, such as theft, vandalism, or natural disasters. Comprehensive coverage is optional in New Jersey, but it is recommended for most drivers.
Towing and Labor Coverage
Towing and labor coverage pays for the cost of towing and labor if your vehicle is disabled. Towing and labor coverage is optional in New Jersey, but it is recommended for most drivers.
Rental Car Coverage
Rental car coverage pays for the cost of a rental car if your vehicle is being repaired or replaced after an accident. Rental car coverage is optional in New Jersey, but it is recommended for most drivers.
Loss of Income Coverage
Loss of income coverage pays for lost wages if you are unable to work due to injuries sustained in an accident. Loss of income coverage is optional in New Jersey, but it is recommended for most drivers.
Roadside Assistance
Roadside assistance provides services such as flat tire changes, battery jumps, and towing. Roadside assistance is optional in New Jersey, but it is recommended for most drivers.