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In New Jersey, having car insurance is mandatory, and it comes with several minimums that your insurance policy must meet. The state is a no-fault state that results in your insurance coverage paying for your medical bills from an injury even if you are at fault for the accident. If you need auto insurance in New Jersey, contact us at E.S.T.I.R. Inc in Bloomfield, NJ to find out more.
State Minimum Insurance Coverages
In New Jersey, there are hefty penalties for not having car insurance, and that can include jail time. To avoid punishment, you need insurance that meets the state’s mandatory minimums for each required coverage type. There is a specific minimum amount that you have to have to pay for each person’s bodily injury as well as an amount for all of the bodily injuries that are caused by the accident. You also have to have a specific amount to cover your liability for property damage. Another mandatory coverage type is a specific minimum amount for covering bodily injury to an uninsured motorist. There is also coverage required for property damage done during an accident with an uninsured or underinsured motorist.
Other Auto Coverage
When you have all of the state’s required minimums for coverage, you don’t have any protection for your own vehicle’s damage. Collision and comprehensive insurance cover your vehicle, though it isn’t mandatory to carry this coverage. It’s a good idea to have it, however, as without it you would have to pay for all of your vehicle repairs out of pocket.
Make Your Appointment
To get the auto coverage you need, contact us at E.S.T.I.R. Inc in Bloomfield, NJ, and make your appointment to talk to an insurance agent about the best coverage for you.