New Jersey Car Insurance

New Jersey Car Insurance Online

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Requirements for New Jersey Car Insurance

Driver across the country are required to carry some form of Liability coverage. The level of that coverage, however, varies from state to state. Here is an overview of the minimum level of coverage for New Jersey auto insurance:

• Single Person Injury Liability – $15,000 minimum and $30,000 maximum: This liability coverage will pay for medical costs, funeral costs and even lost wages for the victim of a car accident.
• Property Damage Liability Coverage – $5,000 minimum: Damage to any public or private property is paid for with this coverage.
• Uninsured Motorist Coverage – No minimum: This coverage protects insured drivers from being victims of an accident with an uninsured or underinsured motorist.

New Jersey is also a No Fault state. This means that no matter who is at fault during an accident, each specific driver’s own insurance company must pay for their respective damages. This is a means of limiting civil lawsuits associated with car accidents. However, if damages exceed a certain amount, the at-fault driver of the accident can still be held liable.

New Jersey Auto Insurance Additional Coverage

All motorists should consider additional coverage, especially if you are driving a new or expensive car. Additional coverage can protect your vehicle from natural disasters and other events. Here are some forms of optional New Jersey auto insurance:

• Collision Coverage: This type of coverage will pay for medical costs and repairing vehicles in accidents where the insured is at fault.
• Comprehensive/Full Coverage: As the name implies, this coverage will pay for damages that are the result of events other than a vehicle accident. For example, vandalism, hitting a deer, hail damage, and other Acts of God or Nature.
• Personal Injury Protection (PIP): PIP coverage will pay for medical costs, funeral costs, and even lost wages due to an accident. This coverage often supplements basic liability coverage in most policies.

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