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In New Jersey, many different types of insurance coverage are required to be in your auto insurance. Every vehicle owner must have auto insurance in the state, and the state has a no-fault system. This means that there are many rights to sue over damages that are not there. In this no-fault state, your insurance will pay for your injuries until you reach your maximum limit, no matter who was the cause of the accident. Call us at E.S.T.I.R. Inc. in Bloomfield, NJ, if you need auto insurance.
Require Coverage Types
Several coverage types are required, and even more, different amounts are required to be included in every policy. Bodily injury coverage is needed, and two amounts are required for it. The first is a certain amount of coverage for one person who becomes injured in an accident, and the second is a higher specific amount required for everyone in the accident who was injured. There is also a small amount required for property damage liability. Different amounts are required for this coverage if you are in an accident with an uninsured motorist. There is an amount for one person injured and another for everyone injured. Insured motorist property damage coverage is also needed, and the deductible for that coverage has a specific mandated amount.
How Much Coverage?
In New Jersey, the amounts required for minimum coverage are tiny compared to most other states. It’s often recommended that you get more than the mandatory minimum to be well-covered in case of a severe accident.
Cover Your Vehicle
Don’t go without auto coverage. If you don’t yet have the auto insurance you need, call us at E.S.T.I.R. Inc. in Bloomfield, NJ.