Talk to an agent: (201) 918-3627
Press play below to listen to our audio commercial:

Having Full Coverage Auto Insurance in New Jersey

Most car drivers with auto insurance in New Jersey even claim that full coverage of it doesn’t exist. The basic question is exactly: What does full coverage auto insurance entail?

A full auto insurance plan in NJ basically comprises of three types of car insurance coverage.

•             Liability auto insurance coverage

•             Comprehensive car insurance

•             Collision car insurance policy

Before issuance or renewal of a car registration, NJ regulations require that the driver must have a liability auto insurance coverage. This cover typically pays for the cost of property and bodily damages sustained in an accident. Collision insurance coverage will cater for damages sustained by your car while comprehensive cover entails any kind of damages suffered by your vehicle in an accident. Collision auto insurance coverage is essentially limited to car repairs when a car is involved in an accident. However, comprehensive cover reimburses the car owner for losses sustained in case of car theft, vandalism and fire damage. This plan also caters for damages on the car that were not caused by maintenance issues or negligence of the driver. In New Jersey, comprehensive car insurance policy offers clients 24 hours roadside support in case your car experiences some mechanical problems. Full coverage auto insurance in New Jersey extends these basic features further. This insurance plan not only provides protection on your car but will also cover the bodily injuries you sustain in an accident as well as injuries sustained by your passengers. All these protection is essentially offered in a single policy.

The best part with full car insurance in NJ coverage is that you and your passengers are still covered when you are driving another person’s car. Full coverage insurance option is certainly the best insurance cover especially in families where vehicles have liability car insurance as their only insurance cover. Simply, taking auto insurance in New Jersey with a full coverage protects you from underinsured and uninsured New Jersey motorists.  This insurance provision is commonly known as UIM/UM auto insurance coverage. Unlike a motorist who is uninsured and has no liability insurance cover, a New Jersey driver with an

under-insured cover has lower insurance limit than in a full coverage car policy. A full insurance cover simply pays the difference. While filling a vehicle accident claim against a driver with a full coverage, underinsured and uninsured drivers in NJ are always at a disadvantage. In case it’s not possible to determine which car was at fault when the accident happened and the issue is taken to the court of law, it will favor a car driver with full coverage auto insurance. Getting a full coverage and be at an advantage against other drivers is as simple as entering your code here above and getting free full coverage auto insurance quotes.