Your insurance requirements are unique and there is not a “one size fits all” solution to your needs. Consumers deserve flexible solutions for the right coverage at the lowest price that fits their lifestyles, especially in high-cost insurance states. A car insurance website for residents of such high-cost states, such as New Jersey, helps you save money and gives you peace of mind by providing a range of quality insurance options. By studying the offerings on an insurance website, you can learn about the different options and discounts available to you to cover your car.
Liability Insurance Coverage
Liability insurance provides coverage when a car accident occurs. It covers you or family members living in the same household who are driving either your car or someone else’s car with permission. This insurance also applies when another person is driving your car with your permission.
A complete policy provides liability compensation for the following:
1. Property Damages – Covers the cost of replacement value or repair costs associated with property damage that is your fault (subject to state regulations).
2. Bodily Injury – In the event of an at-fault accident, coverage for losses related to death or injuries sustained by other is provided. This includes medical expenses and loss of services.
Additional costs covered by liability insurance include first aid provided to others, bail bond costs and specified defense costs.
Underinsured Motor Vehicle Coverage
This insurance protects you from losses when an at-fault driver lacks adequate liability insurance. This coverage will pay the costs associated with death, injury and medical care. You and your (household) family members are covered by this insurance should an accident occur when you are inside another vehicle at the time of the loss. Property damage, in certain states, can also be covered.
Uninsured Motor Vehicle Coverage
This insurance provides coverage for you when you are in a collision with at-fault driver without liability insurance or a hit and run driver. The insurance will cover costs associated with death, injury and medical care. As with the other types of insurance, same-resident family members are also covered if they are in the car with you at the same time, or if you and your family members are in another car during the time of the loss.
Collision Insurance Coverage
This coverage will offer protection should an insured vehicle collide with an inanimate object. It covers the cost to repair the insured vehicle up to its actual cost value minus the deductable.
Damage to the insured vehicle due to non-collision events (hail, falling rocks, vandalism, etc.) will be repaired up to the vehicle’s actual cash value, minus the deductable with this coverage.
Coverage for Medical Payments / Person Injury Protection
This insurance, indeterminate of fault, covers the cost of medical evaluations and procedures for injuries sustained by you and same-residence family member passengers. This coverage is also applicable should you be injured as a pedestrian.
Medical coverage includes:
· Ambulance charges
· Charges for surgical, medical and dental treatment
· Costs of hospital care and nursing
· Eyeglasses and contact lenses
· Funeral costs
· Additional coverage for income loss and/or loss of services
Emergency Road Service with Express Service
Coverage can include Emergency Road Service — should you experience an accident or breakdown, you will not be stranded. A good roadside service program will provide:
· Lockout service
· Tire change
· Battery jump start
· Delivery of water, oil and gasoline
· Minor mechanical adjustments
Another item to look for in Emergency Road Service is 24/7 Express Service at no additional cost. Per the coverage limits of your Emergency Road Service Package, your policy should be billed directly.
During the period of time between a covered loss and repair, insurance will help cover the cost of a rental car so that you can continue to go about your daily activities.
Some insurers offer provide numerous discounts to help you save money. The following discounts are popular:
· Members of AARP, AAA, NEA
· Multi-Line policy holders
· Good students
· Driver training
· Credit union members
· School payroll (where available)