Affordable Car Insurance Auto Insurance in New Jersey - Compare Rates




Whether you decide to buy a new car or renew your insurance in the garden state of New Jersey you are required to understand your needs and then buy accordingly. Just fulfilling the State requirements is not enough.


The most chosen policy is The Standard Auto Insurance Policy which provides different coverage options .With this, you have an option to select your coverage from the Basic Policy which generally costs less than a Standard Policy and provides limited benefits. This policy does the work of providing enough as mandated by the New Jersey law.

The Standard policy and basic policy requirements.

Bodily Injury Liability

This covers for lawsuits by people injured in an accident in which you are at-fault.

Standard Policy
>> Between $15,000 to $250,000 per person,
>> Between $30,000 to $500,000 per accident

Basic Policy - $10,000 coverage for all persons per accident

Property Damage Liability

This provides coverage against legal expenses you may occur, if you are at fault and the other party sues you.

Standard Policy - $5,000 per accident, it can be increased to $100,000 or more

Basic Policy - $5,000 per accident

Personal Injury Protection

Coverage for injuries sustained in an automobile accident by you or others covered under your policy

Standard Policy - Between $15,000 per person or accident to $250,000 or more.

Basic Policy - $15,000 per person, per accident.

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Uninsured/Underinsured Motorist Coverage

This coverage is available up to amounts selected for liability coverage. It is not available in Basic policy.

For the standard policy, you must make a choice about the privileges you will have if you are injured in an automobile accident.

The basic policy has no option and it only includes the LIMITED RIGHT TO SUE option.

UNLIMITED RIGHT TO SUE
Under this, you retain the right to sue the person who caused an accident for pain and suffering for injury.

LIMITED RIGHT TO SUE
In this choice, you agree not to sue the person who caused an accident for pain and suffering unless you sustain one of the permanent injuries.

For all those who are likely to go uninsured because of limited financial resource, the State has The Special Automobile Insurance Policy (SAIP). This is an initiative to make limited auto insurance coverage available to drivers who are eligible for Federal Medicaid with hospitalization. Such drivers can obtain a medical coverage-only policy at a cost of $360 a year or $365 if paid monthly.

It will provide for Emergency treatment following an accident and treatment of serious brain and spinal cord injuries up to $250,000.

It also provides a $10,000 death benefit.

You have lot many options to choose from, understand your needs and get yourself a complete insurance cover.

Hope you make the best choice. All the best!!

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