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The Important Stuffs about New Jersey Car Insurance Law

New Jersey is known for many things and for some for its strict enforcement of its car insurance laws. New Jersey auto insurance laws are specific for New Jersey and are much different from the parallel laws in other states. The important thing to remember is not to drive without the minimum required insurance or with suspended, cancelled, or revoked tag. Each of the vehicle owners and lessees in New Jersey are obligated to possess continuous car liability insurance policy on their vehicle/vehicles in order to:

–              Replace, renew, or transfer their current New Jersey license tags (plates).

–              To register and possess New Jersey license tags (plates).

–              Legally drive their vehicles in the state of New Jersey.

According to New Jersey auto insurance laws every driver on its roads needs to possess insurance policy that covers $25.000 for bodily injury, $50.000 for bodily injury, per accident is there are two or more people involved, and at least $50.000 per accident in case of property damages. Unfortunately, in many cases these insurance requirements are far from enough for many serious accidents.

Rental auto insurance requirements: The state of New Jersey requires every car on its roads and highways to possess at least the minimum car insurance coverage. Rent-a-cars as such are no exceptions. In case you are staying in the state of New Jersey and you rent a car for whatever purpose the rental company is obligated by law to provide you with insurance policy. If the insurance policy that you possess or your credit card is not enough to cover auto insurance for rentals, than you need to purchase liability car insurance from the car rental service.

In case you allow your auto insurance to lapse, you risk to be fined by the authorities. According to New Jersey insurance laws, “laps” is defined as ten or more days without insurance coverage. The fine for that is $25 along with additional $60 for reinstatement to renew your license tags. For second offence, the fee will increase, by the third offense the reinstatement feel will raise to $160. If you keep on ignoring your insurance, renewal if caught you can and will be charged with a misdemeanor.

Another very important thing to remember about the auto insurance in this state is that it follows a tort system. Tort system means that the state does not require from its motorists to have underinsured/uninsured motorist coverage, nor PIP (personal injury protection). Regardless of that, many motorists in the state of New Jersey possess some of these insurances. The thing with the tort system is that if the other involved party in the accident is a motorist without any insurance coverage, your insurance covers the damages, or injuries regardless whose fault is.

Even though that the tort system is not the most perfect insurance system in the world it`s still in power in New Jersey. Many motorists know that, have sense for that, and buy some type of insurance coverage. Regardless if you are, a motorist or a car driver, the best way to obtain auto insurance is by getting quotes from as much as possible insurance companies. You can do that now if you just enter your zip code above on this page and wait for a while. Once you find your lowest quote, you can buy your insurance policy and make sure that you abide all auto insurance laws in New Jersey.

Top Four Must Known Things about New Jersey Auto Insurance Laws

New Jersey is known for many things from which the historical heritage and their hospitality stand out the most. The drivers in the state of New Jersey, as other drivers in other states, must follow its auto insurance requirements and laws to have the privilege to operate a motor vehicle. Even though that many insurance laws in New Jersey are pretty much the same to insurance laws in other states, they have few specifics that are characteristic for this state.

Minimum Coverage

According to the New Jersey auto insurance laws, all drivers need to carry their accident liability insurance policy in their vehicle in any given moment. Their insurance policy must be according the New Jersey standards and to carry at least $25.000 per person for injuries sustained in an accident cause by the insurer, $50.000 for bodily injuries of two or more people and $25.000 for property damage. The common term used to refer to these minimum requirements is 25/50/25. However, one needs to know that these requirements are designed only for protecting other parties in an accident cause by the insurer. That is the only goal and this coverage does not help for damages to the insurer’s vehicle, property, or person in case of some sort of vehicle accident.

Tort

The tort system is how New Jersey deals with traffic accidents. According to the NJ tort law system, one party is always guilty in an accident. Because of that, New Jersey motorists are not obligated to possess personal injury insurance or to have under-insured/uninsured motorist protection. Hypothetically, if you are involved in an accident, you possess the minimum required insurance coverage and the other involved party is uninsured motorists. The tort law says one of the parties needs to be “at fault” for the accident. In case it is your fault, your insurance will cover the other party’s damage. On the other hand, if the other party, that is the uninsured motorist is at fault, you are not entitle to any money compensation from him. Might sound unfair but that is how the law functions and it works as such for a long time.

Penalties

One needs to be fully aware that New Jersey has heavy penalties for drivers caught behind the wheel without proper auto insurance policy. The law is clear and strict when it comes to penalizing drivers without insurance – every driver that drives uninsured risks 60 to 90 days suspension of his driver’s license. In order to register your vehicle in the State of New Jersey you need to provide written proof of insurance. In addition, if a driver without insurance policy is pulled his vehicle can be towed. In addition to that, the driver risks several more fines if caught driving without it.

Exemptions

The State of New Jersey offers few exceptions to its insurance laws. Here are the exemptions

–              Salvaged or junked vehicles or vehicles with an expired lease

–              Vehicles used seasonally or for agricultural purposes such as farming equipment

–              Repossessed vehicles or vehicles that have been stolen

–              Motorists are not required to insure inoperable vehicles

Even though that this knowledge gives you a glimpse in how the auto insurance in New Jersey system works it won’t help you much in terms getting the best rates. However, one little thing surely can.

Simply enter your zip on the top of this page and get quotes from the cheapest insurance providers. Combine our free quote system with your knowledge in auto insurance laws in New Jersey and you will never overpay your insurance policy.

What Nobody Tells you about New Jersey Auto Insurance Laws

New Jersey car insurance laws are one of the strictest and at the same time strangest laws in the United States. Not knowing them can cost you from you heard earn dollars. However, if you are familiar with what the insurance law requires from every driver in the state of New Jersey you`ll probably be all right. Here follow an overview on some of the things about auto insurance laws in this great state that nobody has told you about before unless they are imposed to you.

The Tort System

New Jersey is one of the few states that follow this system when it comes to traffic accidents. This system was and still is a subject of many debates, but regardless it is still in force. Here is what it is about. The law in New Jersey says that for every traffic accident someone needs to be at fault. There is no problem up to this point, and it makes perfect sense. However, there is one law that says that motorists in New Jersey are not required to own an insurance policy. In case you as a driver are involved in an accident with a motorist that does not own any insurance policy, your policy will cover all the damage regardless whose fault it is.

More Exceptions

Another way to pay for someone’s mistakes is if you are involved in an accident with vehicles that are allowed on the roads and at the same time as with motorcycles are not covered by insurance policies. Vehicles used seasonally for agricultural purposes do not need to be covered with an insurance policy. However, that does not mean that accidents with those vehicles do not happen. On the contrary, there happen and as with motorcycles their insurances cover the cost regardless whose fault is it. Once again the car driver`s insurance policy covers the damage caused in the accident.

The Alternatives

The alternative to purchasing car insurance policy is to secure a bank deposit or a bond that can guarantee that you have the minimum coverage (injury and property damage coverage minimum) $100.000. If you want to go down that road, you need to address the New Jersey Insurance and safety fire commissioner for that matter.

25/50/25

This is often used to describe the minimum requirements for auto insurance for the state of New Jersey. 25/50/25 has the following meaning:

–              The policy must be able to cover at least $25.000 per person, per accident.

–              The policy must be able to cover at least $50.000 per accident if two or more people are hurt in the accident.

–              The policy must be able to produce at least $25.000 for property damages.

*This is under the assumption that the insurer is at fault for the accident.

In case if you are involved in an accident in which the other party does not possess any insurance (motorcycle or agricultural vehicle) you are not entitle to any money compensation.

Even though that this sounds bit unreal and unfair those are the car insurance laws which are in force for now. The only thing that one can do is to make sure that he is not overpaying on his insurance rates.

The best way to make sure you do not do that is to enter your zip above and check out some of the offered quotes. You might not be able to change car insurance laws in New Jersey, but you can definitely change your insurance rates.

FAQs about Auto Insurance in New Jersey for Teenagers and Basic Coverage

Auto insurance policy is very important policy coverage. In order to benefit fully from it, it is important to ensure that you are aware about all the information stated in the policy. Important facts that are related to auto insurance in New Jersey are of concern to people and they are eager to learn all the useful tips on managing an auto insurance policy properly, how to get the best coverage from the auto insurance policy and how to get a cheaper rate.

Can a teenager be given an auto insurance policy within the state of New Jersey?

AutoInsuranceInNewJerseyIt is possible for teenagers to be able to obtain auto insurance in New Jersey. However, all teenagers are considered to be high risk drivers. For this reason, most auto insurance providers prefer not to give teenagers such policies. Although there are some auto insurance policy providers who are willing to insure teenagers, they will be subjected to very high insurance rates. If you are considering to be insured under the auto insurance policy of your parents, then your parents will obviously be paying a bigger sum.

What is Personal Injury Protection Policy or PIP? Is there such a plan given by the auto insurance policy providers within the state of New Jersey?

PIP is the insurance policy that is used to cover the medical expenses of the individuals who were involved in accidents caused by the insured car owner. This policy is usually provided as an option. This means that it will not be available if the insured has not added it as one of the options. The auto insurance policy provider will only cover the medical expenses for every injured person according to the clause stated in the policy. If the expenses of the accident exceed the amount stated in the policy, the insured will have to fend for him.

If I have a basic auto insurance policy; am I entitled to the liability insurance policy?

This question is usually brought up by the lower income earners who are based within the state of New Jersey and who have prospects of buying the basic auto insurance policy. Liability coverage is available to persons who have the basic auto insurance policy. Although the bodily injury liability insurance is not available, a sum of $10,000 for medical expenditure is provided to all accident victims as per accident. In addition, property damage coverage is given for every accident victim. A sum of $5,000 for property damage liability is available for every accident victim per accident. In general, the liability insurance option is available to every person in New Jersey regardless of whether that person has the basic or standard policy. However, more benefits are associated with the liability insurance that is under the standard policy.

Determining You Car Insurance in New Jersey According to Your Car Score Values

New Jersey auto insurance is something that you cannot run away from as long you have your own car. One good thing about being a driver in the said state is that you have many choices of auto insurance policies available on the table. The only thing you have to bear in mind is that the type of auto insurance policy you choose will have a huge bearing on the costs that you have to bear. There is no person who can buy the right auto insurance policy without knowing the right information about it. Therefore, this passage has a lot of vital information to help you to make the right choices.

You can begin by using the online tool for comparing car insurance quotes within the state of New Jersey. This tool only requires you to enter your zip code and you will see the best providers that can offer you the cheapest auto insurance policy near you. This will save you time and money as well. After that, you have to seek the assessment of your own car and of yourself for the determination of your rates. Today, insurance companies take into account the number of accidents that the car owner has been associated with in the past. This will give the company an estimation of how much it can cost them to service your car in case of an accident. In addition to the number of accidents, New Jersey auto insurance providers are also considering the crash tests and their corresponding reports. These are also used to estimate the degree of damage that a car can have if it was involved in an accident.

Other factors that the providers of New Jersey auto insurance will consider are the car score values and the insurance claims that you have filed in the past. The car score value takes into account the degree of your car susceptibility to being involved in an accident. Most car insurance companies in New Jersey have came up with an average car score value that can be used to compare with other car score values belonging to other cars. If the car scores very high, it means that your car is likely to be involved in an accident. There is no insurance company that enjoys seeing high car score values. This is particularly because they entail a very high degree of being involved in an accident.

Sometimes car score values cannot be determined easily or cannot be determined at all. In this case, the insurance company involved has to consider other means to determine a car is susceptibility to being involved in an accident. In most cases, the insurance claims and car crush reports will have to be used as alternatives. You have to expect very high rates if you have been associated with a lot of insurance claims. Some insurance companies may not even sell their auto insurance policy to you.

5 Things That Your Insurance Agent Usually Keep From You

There are some things that most insurance agents don’t discuss with their clients. The main reason is because of their fear that they will lose you as their client. Here are some of the topics that they don’t like to talk about.

Agents of car insurance in New Jersey companies are regular folks like everyone else but there are few things about their work that they usually don`t share with their clients unless asked. Most of them don`t share them because it`s a company policy to do so and they stick to what is told to them. However, if they are asked they are obligated to answer correctly. Here are five things that most insurance agents won`t talk about unless they are asked.

5. How age influences your car insurance.

Every time when an insurer agent talks to a client this question is almost never on the table. The truth is that age significantly influences your premium. First time drivers by default pay the highest premiums as well as elderly people that have some hearing or seeing problems. The fact that they don`t talk about it doesn`t mean that the question shouldn`t be opened and see how it affects your premium or your chances to get cheap New Jersey car insurance.

4. Defensive driving course

The New Jersey car insurance law says that every car insurance company that operates there needs to give discounts to everyone that passes the defensive driving course. All you need to do is to pass the course with an agency that is certificated by New Jersey motor vehicle commission. Pass the course, show your certificate, and your insurance agency is obligated by law to give you a discount on your premium.

3. You credit rating affects your premiums

This is something for what many people are not aware of even though that it significantly affects their premium on one or another way. Large percentage of New Jersey`s car insurance companies use their clients credit score in conjunction with their applications information and driving records to evaluate risk and assign rates. With plain words, if you have bad credit score you will pay high premium regardless your impeccable driving record. The best way to see where you stand with this matter is if you open this topic for discussion with your insurance agent. Legally he is obligated to tell you everything about it.

2. Limited lawsuit right

This is almost like a taboo for most of the insurance agents; even if you open the topic they will do their best to talk you out of it. The thing with the limitation on lawsuit options is that you will reduce the right to sue someone in case you are hurt and its someone else`s fault. However, that doesn`t mean that you completely loose the right to sue. You can still sue someone in case of significant scarring or disfigurement, loss of fetus, displaced fracture, loss of body part, permanent injury and death of course.

1. Free quotes from other companies

This is something that most of the insurance agents avoid to talk about when they are renewing your insurance policy or they try to sell you a new one. Nowadays, getting free quotes from a large number of insurance companies in the world is one of the easiest things to do. The more free quotes you get the better for you, you can easier find cheap New Jersey car insurance coverage.

Even at this moment you can do that right away, just enters your zip above and you will receive offers from almost every New Jersey car insurance company.

5 Things That Your Insurance Agent Usually Keep From You

There are some things that most insurance agents don’t discuss with their clients. The main reason is because of their fear that they will lose you as their client. Here are some of the topics that they don’t like to talk about.

Agents of car insurance in New Jersey companies are regular folks like everyone else but there are few things about their work that they usually don`t share with their clients unless asked. Most of them don`t share them because it`s a company policy to do so and they stick to what is told to them. However, if they are asked they are obligated to answer correctly. Here are five things that most insurance agents won`t talk about unless they are asked.

5. How age influences your car insurance.

Every time when an insurer agent talks to a client this question is almost never on the table. The truth is that age significantly influences your premium. First time drivers by default pay the highest premiums as well as elderly people that have some hearing or seeing problems. The fact that they don`t talk about it doesn`t mean that the question shouldn`t be opened and see how it affects your premium or your chances to get cheap New Jersey car insurance.

4. Defensive driving course

The New Jersey car insurance law says that every car insurance company that operates there needs to give discounts to everyone that passes the defensive driving course. All you need to do is to pass the course with an agency that is certificated by New Jersey motor vehicle commission. Pass the course, show your certificate, and your insurance agency is obligated by law to give you a discount on your premium.

3. You credit rating affects your premiums

This is something for what many people are not aware of even though that it significantly affects their premium on one or another way. Large percentage of New Jersey`s car insurance companies use their clients credit score in conjunction with their applications information and driving records to evaluate risk and assign rates. With plain words, if you have bad credit score you will pay high premium regardless your impeccable driving record. The best way to see where you stand with this matter is if you open this topic for discussion with your insurance agent. Legally he is obligated to tell you everything about it.

2. Limited lawsuit right

This is almost like a taboo for most of the insurance agents; even if you open the topic they will do their best to talk you out of it. The thing with the limitation on lawsuit options is that you will reduce the right to sue someone in case you are hurt and its someone else`s fault. However, that doesn`t mean that you completely loose the right to sue. You can still sue someone in case of significant scarring or disfigurement, loss of fetus, displaced fracture, loss of body part, permanent injury and death of course.

1. Free quotes from other companies

This is something that most of the insurance agents avoid to talk about when they are renewing your insurance policy or they try to sell you a new one. Nowadays, getting free quotes from a large number of insurance companies in the world is one of the easiest things to do. The more free quotes you get the better for you, you can easier find cheap New Jersey car insurance coverage.

Even at this moment you can do that right away, just enters your zip above and you will receive offers from almost every New Jersey car insurance company.

Top Recommended Coverage for Auto Insurance in New Jersey

Before you go ahead and look for auto insurance quotes New Jersey, you should know the basic things about the laws and different insurance policies. There are basically two types of insurance policies that you can get for your car. One is the basic insurance policy in which you get $10,000 in case in injury or death and $5,000 is paid for the damage of vehicle. On the other hand, we have another insurance policy that is called the Standard policy that will give you $15,000 per person, $5,000 for the property damage and $30,000 per person in case of any accident. Apart from that, you get $15,000 for under insured or uninsured driver and for personal protection, you will get $15,000.

These are some of those things that are really important to know for a person who is looking for auto insurance quotes New Jersey. If we take a look at this issue from the expense point of view then it is clear that a nominal car will cost around $28,000 and in case of a multiple car collision, the total damage will easily reach to $100,000. It simply means that the minimum insurance offered is not adequate for anyone. Below are the recommended basic minimum coverage that you should be getting.

NewJerseyAutoInsurance1. $100,000 in case of physical injury caused to each person

2. $300,000 in turn of physical injury for each accident

3. $100,000 for the property damage

4. $300,000 for the underinsured and uninsured driver

5. $250,000 for coverage of personal injury

There are some optional coverage options which you should also consider;

1. Collision coverage– It will pay for damage.

2. Comprehensive – it will pay for damage to an insured car in case of theft, fire or not in the result of a collision.

3. Gap Insurance – It will calculate the difference between the total value of your car and the value left in your lease. This will give you a lot of benefit if your car was still a new one.

4. Vehicle Rental – In case, if the vehicle cannot be operated because of the accident, it will pay for rental.

5. Towing Insurance – It will provide the towing service for your car if it becomes immobilized.

While looking for auto insurance quotes New Jersey – Confirm about financial responsibility

You must make sure that the auto insurance providing company accepts to pay the compensation to you in case of car damage regardless of the fact; who caused the accident.

Auto insurance quotes New Jersey – Analyze the situation and save money, don’t be in hassle while looking for New Jersey car insurance policies. You should collect quotes from different insurance providing companies in the market to determine that which one is offering the best coverage plan. This will definitely help you save a lot of money as you will be able to avoid going for an expensive insurance company.

Above mentioned are few things which person must keep in his mind while looking for auto insurance quotes New Jersey. It can be very easy for a person to find best insurance policy if he knows what he is required to do. In case, you don’t have any idea in your mind don’t forget to consult with someone who has experience in this trade.

The Perils and Risks of Not Having New Jersey Auto Insurance

Getting auto insurance in New Jersey is a state regulation that must be adhered to by all car owners. Car owners within the said state should not only have auto insurance to comply with the law but has to act smartly as well. Anything is bound to happen when driving which may cost you a fortune. These comprise many things such as car theft, road accidents, car vandalism and other unexpected car breakdowns. All these problems can arise at any time especially when you are not financially prepared for them.

Not having NJ car insurance policy puts car drivers in very serious problems that may take much of their precious time to solve. Auto insurance is very important as a way of enhancing the future security of your car. Auto insurance policy assures the car owner of the safety of money invested in the car and a guarantee of a complete repayment of eventual expenses and liabilities that may happen unexpectedly. The perils of not having auto insurance are ranging from great financial loss as result of foreseeable risks up to totally losing your car due to car accidents and theft. With many insurers who offer auto insurance in New Jersey, the troubles of securing an effective cover is actually not an acceptable excuse. Online insurance companies have made it very easy to secure an insurance cover for your car. Its market has enabled clients to apply for insurance cover easily with the use of the internet.  There are very many types of insurance premiums that a client can choose. To obtain affordable auto insurance quotes, you only need to spare a few minutes of your valuable time to enter your zip code above and get the best three quotes from credible NJ auto insurers. When you have the quotes, just compare them carefully and find the one that fully satisfies your auto insurance needs.

Auto insurance in New Jersey is sought for protection reasons. It offers a guarantee to the car owner that no matter what potential risk his car encounters, there will be people offering a shoulder to lean on and offer compensation for the loss. However, the compensation that you receive will certainly be determined by the insurance premiums you pay for. You must also comply with all the terms and conditions that your insurer sets for you as per the insurance contract. Getting your car fully insured is not an option. What you can only decide about is the amount of premium you pay to get your car insured. As per the law, you are only required to have minimum insurance coverage which in most cases is too low and exposes car owners to greater financial risks. For instance, when you are involved in a car accident, you may have to meet many associated costs by yourself. Getting auto insurance cover gives you a safe time and great fun on the road.

The Essence of Good insurance Credit Rating For your Auto Insurance in New Jersey

If you pose fewer risks to the insurer, this enhances your chances of getting an affordable auto insurance cover. Auto insurance in New Jersey is to a large extent influenced by the credit rating of the car owner. Despite knowing that they have a credit score as consumers, most NJ car drivers don’t realize that having a good credit score is very important when shopping for auto insurance. In the insurance industry, this is referred to as a consumer insurance score.

Unlike the basic consumer credit score, auto insurance credit score considers more aspects rather than how promptly you pay bills. It also takes in to account information such as the number of claims you have made in the past, their frequency and the amount of money your insurers have had pay for you. This credit score actually has a very significant impact on the premiums you pay on your auto insurance cover. The score provide vital credit information to the insurer which they use to rate you. Then the NJ car insurer will relate your credit score to the number of claims you have had in your driving history thereby determining the premiums you pay for your auto insurance in New Jersey. Your legal history such as suing others really matters in the insurance industry. Whether you do it fairly or not, this will certainly be reflected in your insurance score and you can do nothing about it. The best thing is to always keep your insurance score at its best shape as well as avoiding many claims to your insurer. Typically, car drivers with credit scores that are poor are regarded as potential losses to the insurer. Such drivers tend to incur more costly claims or more claims during the term if the insurance policy.

When ascertaining the premiums you pay for auto insurance in New Jersey, insurers certainly don’t require all your credit score information. What the insurer needs is information that is directly linked to your insurance needs. They seek the correlation between loss and credit information while avoiding unnecessary credit information. A good correlation is seen whereby people with a good credit score are certainly termed as more responsible even when driving. They are regarded as less reckless as they take good care of their cars as they do to their homes. Since insurance scores are determined after accumulation of a lot of information over a number of years, they cannot be manipulated for short term benefits. Still, as each insurer has a different way of calculating your insurance score, knowing what your insurance score is sometimes difficult. Essentially, insurance scores provide a viable competing ground for insurance companies and they are able to charge different prices for the same cover among several insurance clients. Although insurance score is such significant, comparing different rates is equally important in getting an affordable cover for your car. Simply enter your zip and get to compare several New Jersey auto insurance quotes offers and choose the most affordable cover.