|
The value of good car insurance often doesn't become apparent until you
really need it. Whether it's a minor fender bender or a more substantial accident, it pays to have insurance coverage you can count on. |
|
Let one of our experienced New Jersey car insurance policy specialists
explain the different Liability limits, Comprehensive, Collision, Personal Injury Protection, Uninsured Motorist, Medical coverages, and deductibles that are available for you to choose from. We offer affordable truck and car insurance policies from a leader in the insurance industry. |
|
Learn more about New Jersey Car Insurance policy
coverage options below! |
|
Click on the link below to fill out a secure quote request form for a New
Jersey Car Insurance policy that will provide excellent car insurance coverage at an affordable cost. Or you can speak with our New Jersey Car Insurance specialist at 609-403-2018 to discuss the features. |
|
Click on the link below to fill out a secure quote request form for a New Jersey
Car Insurance policy that will provide excellent car insurance coverage at an affordable cost. Or you can speak with our New Jersey Car Insurance specialist at 609-403-2018 to discuss the features. |
|
We are your local central New Jersey insurance agency, offering affordable Car Insurance
policy premiums in the following cities and counties: Trenton, Ewing, Slackwoods, Ewingville, Bakersville, Lawrenceville, Mercerville, Hamilton Square, Yardville, White Horse, Groveville, Bordentown, Washinton Crossing, Marshalls Corner, Princeton, East Windsor, South Brunswick, Plainsboro, Linvale, Harbourton, Mount Airy, Blawenburg, Hopewell, Kingston, Rocky Hill, New Sharon, Chesterfield, Hamilton, Georgetown, Allentown, Fieldsboro, Hedding, Roebling, Columbus, Jacksonville, Chambers Corner, Wrightstown, Mount Holly, Monmouth, North Brunswick, Deans, Stanton Station, Willingboro, Cherry Hill, Newark, Montclair, Orange, Bloomfield, Jersey City, Kearny, Elizabeth, Paterson, Belleville, Nutley, West Orange, Clifton, Passaic, Rutherford, Garfield, North Bergen, Livingston, Caldwell, Mercer County, Middlesex County, Essex County, Passaic County, Hudson County, Bergen County, Morris County, Camden County, Hunterdon County, Burlington County, Monmouth County and Ocean County, NJ. We also offer affordable Car Insurance services throughout New Jersey. |
|
Covers damage caused to the insured's car (your car) from risks such as theft, fire, falling
objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you choose to pay upfront (if any) before the New Jersey car insurance policy pays. The higher the deductible chosen the lower the comprehensive coverage cost within the car insurance policy. |
|
Covers damage caused to the owners car from a collision caused by
another car or other object. The deductible is the amount you choose to pay upfront (if any) before the car insurance policy pays. The higher the deductible chosen the lower the collision coverage cost within the car insurance policy. |
|
New Jersey Car Insurance Policy
|
|
New Jersey Car Insurance Policy
|
|
New Jersey Car Insurance Policy
|
|
Bodily Injury Liability
|
|
Injuries that you (insured) cause to someone else is covered under this part of a car insurance
policy. The minimum liability insurance coverage available for purchase in New Jersey is 15/30/5 and is explained in detail below. However, we recommend that you choose liability insurance coverage amounts that are much higher than the minimums listed below. Contact us at 609-403-2018 to discuss what liability coverage amounts you require to meet your family and personal needs. |
|
New Jersey Liability Coverage limits explanation:
|
|
15/30/5 15=$15,000 - 30=$30,000 - 5=$5,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
|
|
Property Damage Liability
|
|
Damage caused by the insured (you) to someone else's property, such as a motorcycle, car,
truck, fence, or house, is covered through property damage car insurance coverage. This coverage also assists in protecting you if a lawsuit arises from an accident. The minimum coverage amount in New Jersey is $5,000. |
|
Benefits Provided Include:
|
|
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental
and rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces and splints (including necessary travel related to medical care.) |
|
Necessary remedial treatment (nursing home care or home nursing care).
Pays 60% of gross income loss caused by inability to work because of an injury
suffered in an accident.
$5,000 death benefit
|
|
New Jersey Car Insurance Policy
|
|
New Jersey Car Insurance Policy
|
|
New Jersey requires no-fault (PIP) or personal injury protection coverage. This
coverage pays medical bills for injuries suffered in a car accident regardless of who caused the accident. |
|
Medical payments coverage pays for the medical and funeral expenses for you or others hurt
or killed in an accident while riding in or driving your car or truck. Claims against this coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral expenses. It will also cover you or members of your family if you are hit by a car when you are walking or if you are riding in another car or truck. This coverage will pay for your medical and funeral expenses even if you cause the accident. The coverage is often limited to medical care you get in the first one, two, or three years after the accident and is limited to a specific dollar amount. This is a required Car Insurance coverage in New Jersey. |
|
New Jersey Car Insurance Policy
|
|
15/30 15=$15,000 - 30=$30,000
First number = uninsured motorist maximum for one person injured in an
accident.
Second number = uninsured motorist maximum for all injuries in one
accident. |
|
Example of uninsured motorist limits:
|
|
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-
fault driver who has no car liability insurance. This is required for Car Insurance in New Jersey. Contact us to discuss what uninsured coverage amounts you require to meet your family and personal needs. |
|
New Jersey Car Insurance Policy
|
|
This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your damages. |
|
Protects you if your car is damaged in an accident caused by a driver who has
insufficient auto insurance coverage. This coverage pays the difference between the coverage limit you select and the other driver's property damage coverage limit. This is not a required coverage in New Jersey. |
|
This type of car insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident caused by a driver who has insufficient auto or motorcycle insurance coverage. The car insurance coverage typically pays the difference between the coverage limit you select and the other driver's bodily injury coverage limit. This is not a required car insurance coverage in New Jersey. |
|
Underinsured Motorist Bodily Injury Coverage
|
|
Underinsured Motorist Property Damage Coverage
|
|
SSL Secure
|
|
SSL Secure
|
|
SSL Secure
|
|
SSL Secure
|
|
SSL Secure
|
|
SSL Secure
|
|
SSL Secure
|
|
SSL Secure
|
|
Insurance and Financial Services
|
|
Proudly serving New Jersey and
Pennsylvania for over 20 years! |
|
ENTERPRISES I
|
|
ADVANCEMENT
|
|
Copyright 2005-2008 Advancement Enterprises I, Inc. - All rights reserved
|
|
Site Built & Maintained by InsuranceWebsiteServices.com
|
|
New Jersey Car Insurance
|
|
Having a teenager included on your car insurance policy will always cost substantially more, but
there are ways to reduce the premium increase. |
|
The best cars for teen drivers are slower, bigger cars with a lot of safety features. Teenager's are
more prone to accidents, especially ones caused by speeding. A disproportionate number of teenage car accidents involve only one vehicle. |
|
Make sure your teen drives safely. One speeding ticket or fender-bender can send your teenager's
auto insurance rates sky high. Require that they take a drivers education class at their high school or local DMV. |
|
Good student teen driver insurance rates can save up to 25% on your teenager's auto insurance if a
"B" average is maintained. |
|
Assuming your teen keeps a good driving record, the cost of insuring them will decrease as they get
older. |
|
Auto Insurance endorsements are policy extras for services such as towing insurance, auto glass
insurance, daily rental insurance, and emergency roadside insurance. |
|
These auto insurance policies are not required by any state, but many drivers choose these
services for the added security and convenience they provide. |
|
Rental Car Insurance
|
|
Covers the cost of a rental car while your insured car is being repaired because of a covered
event. |
|
Emergency Roadside Insurance
|
|
Covers repairs done at the location of your automobile problem (roadside). This policy is often
combined with auto towing coverage and called Roadside Emergency Towing Insurance. Changing a flat tire on the roadside may also be covered, but you will need to pay for repairs received at the garage or other repair location. |
|
Car Glass Insurance
|
|
Offers a lower deductible or no deductible for when repairing any broken window on your car is
required. |
|
Car Towing Insurance
|
|
Covers costs involved for towing your car anytime you need it.
|
|
What information is listed in the actual auto insurance policy that you are given by the insurance
agent? Learn about the different important sections in every car insurance policy below. |
|
Declarations
|
|
Usually listed first in your auto insurance policy and unlike the remainder of your policy, it will
have been prepared especially for you. It will list the specific car insurance coverages and amounts that you've chosen. |
|
year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
|
|
Insuring Agreement
|
|
Lists exactly what the insurance company promises to provide in return for the payment of
your car insurance premium. The type and amounts of each coverage you've purchased is described in detail and also outlines exactly who is covered under each provision. |
|
Exclusions
|
|
The insurance policy exclusions section is a list of all possible circumstances that would free
the insurance company from the responsibility of paying a claim. |
|
Example: most car insurance contain an exclusion that exempts the insurance
company from having to pay in the case of intentionally caused damage or injury. |
|
Conditions
|
|
Lists the duties and responsibilities of the insured (You) in the event of a claim situation. Will
include guidelines for contacting the insurance company, obtaining a police report, and filing a claim. Information on car insurance policy cancellation will be outlined here, too. |
|
Click on the link below to fill out a secure online quote request form for a New Jersey Car
Insurance policy that will provide excellent car insurance coverage at an affordable cost. Or you can speak with our New Jersey Car Insurance specialist at 609-403-2018 to discuss the features. |
|
SSL Secure
|
|
Auto
Insurance
|
|
Advancement Enterprises I, Inc.
Northern, NJ
Montclair, NJ 07042
(973) 783-1445
Fax: (866) 324-7566
|
|
Advancement Enterprises I, Inc.
1303 Brunswick Avenue
Lawrenceville, NJ 08648
Mercer County, New Jersey
(609) 403-2018
24 hr: (609) 377-0873
Fax: (866) 623-2259
|