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Top Plans Not To Exclude in Your Auto Insurance Policy in New Jersey

If you are driving your car on New Jersey roads then you need to find the best auto insurance quotes New Jersey for you as soon as possible and get your car insured. There are three different coverage plans that you can choose from in New Jersey.

1. Liability Insurance – This insurance policy will cover the damage done to the vehicle of other person if you were involved in the accident. While talking about NJ laws, liability insurance will not cover the health expenses.

2. PIP (Personal Injury Protection) – Obviously, you need to protect yourself as well and this insurance policy will facilitate your personal expenses in case of a roadside accident. It does not matter whether you were responsible for the accident or other person, you will be covered with this policy. It will cover the personal injuries, medical supplies, medication and other legal issues associated with the problem.

3. UMI (Uninsured Motorist Insurance) – If you were involved in an accident and the other person did not had any kind of insurance policy then this policy will cover the property and personal damage expenses. Sometimes, the other person involved in the accident has his own insurance policy but that is not sufficient to cover the expenses and that is where UMI can become handy for anyone.

Each driver needs to have a minimum insurance coverage on his vehicle according to the car insurance laws of NJ. According to this law, every driver must have a minimum PIP of $15,000 per person and a total of $30,000. The $15,000 will be spend on the person injuries of the person who owns the insurance policy and $30,000 will be given to the other party for their injuries or other personal losses. Apart from that, an amount of $5000 is required in shape of liability insurance that will cover the property loss, which includes vehicles, house, fences, or other property that is damaged by your car. You had better keep all these things in your mind while looking for New Jersey car insurance quotes.

If you have this basic coverage plan then you are allowed to drive on NJ roads however, if your lender thinks that you are a high-risk driver then you may need to get a comprehensive insurance and the collision insurance policy for your car too.

In case, if you own your car then you are not required to go for higher coverage policies. However, it is still recommended to opt for such insurance policies that can offer you higher coverage in case of any accident or emergency. You never know that what is coming ahead and if the accident is massive then the basic insurance policy will not be able to cover all the expenses that can create a lot of trouble for you.

While looking for auto insurance quotes New Jersey you may not realize the importance of having high auto insurance policy but with the passage of time, you will realize the importance of getting a good and comprehensive insurance policy for your car.