If you live in New Jersey, I’m already a big fan of yours. The family and I visited your state a few years ago, and all of you were really wonderful to us. I can also relate with your insane traffic and really aggressive drivers. It’s because of this that I know how important getting the best NJ auto insurance really is.
No matter where you live in New Jersey (Jersey City, Newark, Patterson, etc.), you are likely used to dealing with a lot of traffic. With heavy traffic comes a lot of accidents. If you don’t have the right type of automobile insurance, you’re just asking for trouble.
NJ law mandates that every driver has car insurance. I know that paying for insurance that you will never use (hopefully) stinks, you really don’t have a choice over it. The only choices you have in New Jersey are how much coverage you are going to have, and what type of policy.
Assuming that you are a decent driver, I highly recommend a full coverage policy. A full coverage policy will help pay the costs of your own vehicle if you are in an accident, even if it is your own fault. Unlike liability insurance, full coverage can help you buy a new car, even if you rear end someone. While this may be a more expensive option, if you have a clean driving record it can still be affordable. Full coverage will also help to pay for any treatments or bodily damages that your passengers may suffer.
If you can’t afford full coverage, your next option is just basic liability auto insurance. Because of New Jersey’s Automobile Insurance Cost Reduction Act, everyone has access to at least a “Basic Policy”. This is basically a bare minimum policy that will cover damages for someone else’s car. You can add a few options to it, but this type of policy really offers a minimum of protection. Any licensed insurance producer in NJ can sell you a Basic Policy, even if your driving record is horrible.
New Jersey does require a Personal Injury policy as well. This will cover any medical expenses that you, or the other vehicle’s occupants, incur. Even if you are at fault, it will contribute to your medical expenses.
NJ also requires uninsured motorist coverage. This will pay your damages when the other driver does not have any insurance.
Hopefully this little article helps you in figuring out what NJ auto insurance you need to get.
P.S. Thanks again to all of you in New Jersey that made our trip to your state so memorable.