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Different Types of Coverage Required By the Auto Insurance Laws in New Jersey

Finding the best and cheapest auto insurance in New Jersey is not as hard as many may perceive. Nonetheless, much information through research is required. The first thing is to know the sort of requirements you face before blindly buying auto insurance. You may end up purchasing a lot of insurance that will not specifically help you or even meet the statutory requirements.

cheapcarinsuranceinNJMost of the auto insurance laws in New Jersey are more like the laws in other states but there are other requirements that are mandatory in the said state but are only optional to others. One example is if you are required by New Jersey auto insurance law to have Personal Injury Protection of $15,000 while in other states like California, PIP is optional. Another one is in the basic required coverage. Having minimum liability for bodily injury to one person per accident is not a legal requirement. However, it is a requirement in the standard coverage and of $15,000 per person per accident.

It is important to be aware of these facts prior to shopping for auto insurance in New Jersey. You also need to know what this coverage actually mean.

Personal injury protection covers the medical expenses, optometric treatment expenses, medical supplies, dental treatment, ambulance services and facilitation in a hospital or treatment facility.

Property damage liability required by the state is at $5,000 and will cover cost for the other person involved in the accident if you caused the accident. Property damage liability will cover the cost of repair of the other party’s car, of a building, a fence, a structure or even the payment for the legal fees that may arise from the accident.

Bodily injury liability will cover for costs arising from the accident and may have caused injury such as physical injury or even death, medical expenses, pain and suffering, emotional distress, trauma, depression, loss of wages and legal fees that may have been incurred in the whole incident.

It is only by understanding what the law requires of you and doing research different types of coverage is important to get the one you mostly needed. This is for cases of you unknowingly buy comprehensive and collision insurance coverage and neglect the most basic and mandatory insurance coverage required of you by law e.g. personal injury protection coverage. This would be very counterproductive.

To get the right information and know which valid New Jersey auto insurance companies are registered and licensed to operate in the state of New Jersey, start by entering your zip at the start of this page and we will match you up with the best auto insurance companies in your locality.