Understanding the Basics of New Jersey Car Insurance Requirements

Being a driver in the state of New Jersey is a big responsibility. In fact, state law requires motorists to carry three (3) separate types of auto insurance just to operate legally on the roadways. Understanding what these three types of insurance are and why they remain important to lawmakers is your first step towards getting the most comprehensive coverage for your money. Without this knowledge you could end up with a policy that is not even worth the paper on which it is written.

The Three Types of Mandatory Car Insurance

A good New Jersey car insurance | http://newjersey-insurance.net/new-jersey-car-insurance/ agency is not as difficult to find as you might think, especially if you already know what you need. According to local legislators, all drivers in the state must have all three of the following types of insurance:

  • Liability
  • Personal Injury
  • Uninsured Motorist

Without these three requirements met on any given New Jersey car insurance policy, that coverage is not only incomplete but it is also illegal. Before you purchase insurance from any agency, be sure to double check your coverage just to be on the safe side of the road.

What is Liability Insurance?

In New Jersey, car insurance must include liability coverage or it is not considered legit. Liability coverage is what pays for the damages you cause to other motorists (if you are found responsible). Although it does not cover basic medical expenses, it can keep you protected from going into debt over an accident.

What is Personal Injury Insurance?

Personal Injury Protection (sometimes known as PIP) is what pays for those medical expenses not covered by Liability insurance. If you or anyone who is covered on your policy is injured during an accident, PIP will kick in and pay the bill for a doctor. The good thing about PIP is that it goes into effect whether you were the cause of the accident or not.

What is Insurance for Uninsured Motorists?

All New Jersey car insurance policies must also include coverage for uninsured motorists. This addition to your already comprehensive list of policies is what protects you from suffering the consequences of someone else’s negligence. Moreover, it really helps when you are in an at-fault accident with an automobile that carries no coverage.

Contact your local New Jersey car insurance agent for more information or to go over the specifics of their various coverage options.

 

Motor Vehicle Studies Tell the Tale

All sorts of studies have been done on every facet of motor vehicles, driving and laws. One of the most horrible is that an injury accident occurs ever 14 seconds and every 12 minutes someone will die in a car accident.  In fact, estimates say that by 2030, car crashes will be the fifth leading cause of death. Right now, they rank ninth.

 

That’s why it’s wise to have enough car insurance to cover you and your family should something bad happen. No need to dread the premium—it’s not that hard to find lower-cost Pennsylvania auto insurance quotes.

 

The most dangerous time for schoolchildren is between 3pm and 4pm on school days. That’s when the most kids are killed by cars.  So it’s important to be careful in school zones.

 

Correctly used seatbelts reduce the risk of death by some 61 percent.  When child safety restraints are mandatory the risk of death to kids falls by more than 35 percent.

 

Some of the statistics we found on driving are surprising—and some are just plain odd.  Here are a few you can use to impress your friends.

 

 

  1. When was the first speeding ticket issued?
  2. 1904 for going 12 mph.

 

  1. Were steering wheels always part of a car?
  2. No, a lever was used to steer the first car.

 

  1. Do most accidents happen on highways?
  2. No, most traffic accidents happen within 3 miles of home.

 

  1. What are the most lethal type of accident?
  2. Rollovers are most deadly.

 

Q How many times does a drive curse?

  1. Estimates say that a driver will curse 32,000 times while driving in their lifetime.

 

  1. What is the craziest motor vehicle law?
  2. There are many crazy laws but one of the oddest is that you can leave a sheep unattended in a truck in Montana.

 

  1. Do any states NOT require seat belts?
  2. All states have a seat belt law.

 

  1. Do women cause most accidents?
  2. No. Men cause twice as many accidents as women.

 

  1. Do teens have higher risk than any other driver group?
  2. Yes. Some 300,000 teens are hurt in car crashes each year. Around 5,000 teens are killed in motor vehicle accidents.

 

  1. Are you safer in other countries?
  2. No. Car crashes are the top reason healthy US citizens die while traveling overseas.

 

 

 

 

 

Educating yourself about homeowners insurance

If you’re a little afraid of reading your homeowners insurance policy or even looking for one, you are not alone.  Many people are a little daunted when faced with pages and pages of tiny print and a vocabulary they have no idea how to understand.

 

Sometimes, consumers have friends or family who they believe were treated unfairly in a  claim situation and are concerned that all companies are like that.  Most of the time the homeowner is clueless about what to buy and how much.  And of course, insurance can be costly and it’s one of those things you buy hoping you won’t need it.

 

Well, have no fear. It’s easier to educate yourself about homeowners insurance than you think.

 

First, you are not expected to understand every word of an insurance policy. You can find online resources to help educate yourself or you can simply talk to an expert at an insurance agency, who will be glad to explain what it all means.

 

The same is true for determining how much of what kind of insurance to buy.  Every homeowner is unique with their own set of needs and issues. The easiest thing to do is talk with an insurance professional about all aspects of homeowners insurance and have them help you find just the right fit.

 

If you are like most homeowners, you are concerned with getting the lowest New Jersey homeowners insurance quotes and who can blame you? It’s a big-ticket item and you will be paying it annually.  That’s why it is such a good idea to look at a few different carriers and compare their offerings and quotes side by side. You want to be sure you are comparing apples to apples, though, so make sure you have already determined your needs up front.

 

Since each insurer is different, you may get different answers to your question. Some may offer more coverage for the same price. Some may offer less.  Some may be concerned that you own a dog that is on the bite-risk blacklist. Some may simply charge you more for having that kind of dog.

 

Be sure that all your valuables are covered. That may mean you require a rider. This is not uncommon for expensive belongings, such as significant artwork, antiques or high-value jewelry.

 

You can easily take the mystery out of insurance by educating yourself both online and through discussions with professionals.

Choose the right homeowners insurance company

In an increasingly competitive business environment, how can you be sure you are choosing the right homeowners insurance company?  It’s a good question, and we’ve got some good answers.

 

Never before has their been so much consumer information at our fingertips as there is now. The great thing about the internet is that online customer reviews are just a click away. And they can tell you a lot about a company.

 

First, not every company is going to get stellar reviews 100% of the time, so be prepared to read the bad with the good. View both with a bit of common sense. The way to use reviews is to get a general idea of what most customers think—the strong points and the weak points.  How do these match up with what you are looking for in an insurer?

 

Some reviewers may say that the company has provided the cheapest Arizona homeowners insurance quotes they’ve received. That’s good information to know, but you don’t know if their situation is the same as yours. Remember, they may be looking at different coverage and limitations.

 

Be aware of the complaints they’ve received—and assess if you think they are dealbreakers for you or not.

 

Reviews will usually tell you about customer service issues, if any. Whether they return calls, how fast claims are processed, all of the interactions a policy-holder has with a company is an opportunity for customer service. Good or bad, it will all be laid out in a review.

 

A word about promptness in handling claims: when a homeowner has to file a claim, it is usually stressful situation. If it is a big-ticket item, the homeowner may not have the funds to write a check to replace the item while he or she waits for the homeowners insurance company to send a check. Most policy-holders want to know that their insurer handles claims quickly and efficiently.

 

Look hard at what the company includes—and excludes. What might require an additional policy or a rider? Companies can differ on this point so you want to be sure your comparisons are for equivalent coverages.

 

In the old days, homeowners would do business with agents who might be friends, relatives or neighbors. It was hard to tell if they were getting the best deal.. But today, with so much information available to the average consumer, he or she can be assured that they are getting the best possible deal.