New Jersey car insurance

New Jersey car insurance

In New Jersey, you are required by law to have car insurance, not to mention health insurance, in either a basic or standard policies. It’s advised to get a standard policy as the coverage is deeper, even if it makes your budget a little bit tighter. The added coverage can be really beneficial if in an accident.

The basic policy offers limited coverage for a minimal price. It will only cover you for fixed rates for property damage liability, personal injury protection and very severe injuries.

Most companies will offer bodily injury liability, but accepting this option will cause an increase in your rates.

The standard policy offers greater protection, but also incurs a greater cost to you. You’ll have everything the basic policy offers, and the bodily injury liability, but at a higher payout qualities than the basic policy. The standard policy also has two very important options when it comes to legal action, unlimited rights to sue or limited rights to sue.

Unlimited right to sue, means you keep the rights to sue the person who at fault of the car accident for pain and suffering only. Limited right to sue, means you’re agreeing not to sue the person at fault for pain and suffering, with the exception of a severe or permanent injury.

Depending on which option you choose, it will have an affect on the price of your premium. Also, having some health insurance can lower your premium, if you choose to have it listed as the primary source of medical insurance after an accident. However, before making this decision, it’s best to check and compare the health insurance deductible, as it may play a factor. Also make sure your health insurance does cover injuries received from car accidents.

Of course, most New Jersey car insurance companies who offer both, the standard and basic policies, also have additional coverage options, that can be added to your policy for an additional fee.

New Jersey car insurance from is a fairly simple process. The only real question you need to decide is which coverage options you will need and then making sure you get them.  When it comes to getting car insurance, there’s a lot of options, so you won’t have any trouble finding quotes.

Be sure to check out multiple car insurers to make sure you get the best deal, if you have any other kind of insurance already, it’s worth checking if they also insure cars, as typically, having a bundle deal will give you a discount.