Driving in New Jersey is definitely not like hitting the open roads of Montana. For that reason, New Jersey drivers have unique needs for automobile insurance that takes into account the high traffic and population density of the area, while providing adequate protection for your investment in your vehicle.
New Jersey’s mandatory vehicle insurance requires all registered vehicles to have three different types of insurance:
- Liability insurance to pay for damages if you are responsible due to an accident. (This does not include medical expense coverage.)
- Personal injury protection (PIP) covers medical expenses for your injuries in an accident. This is sometimes called No Fault coverage because it pays you regardless of who caused the crash.
- Uninsured motorist insurance covers you if you have an accident with someone who does not follow the law, and doesn’t have the insurance coverage mandated.
While New Jersey does require these liability insurance coverage limits, we feel that the mandatory limits are extremely low for today’s reality. The state requires coverage only in the amount of 15/30/5, which is one of the lowest of all the states in U.S. When you get into an accident in Chester, NJ is not the time you want to realize that you don’t have enough coverage to fix your car or pay your medical bills. With liability limits of only $15,000, it could leave you a large bill over and above what your insurance company will pay if you total someone’s brand new Mustang.
For these reasons, we suggest that you call The Insurance Outfit and discuss your vehicle, your driving habits, and your insurance needs. They’ll be glad to consult with you and offer their suggestions for coverage. Reach them today at 908-955-7561.