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 agency like https://newjersey-insurance.net/ 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:
- 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.