Auto Insurance

Auto Insurance in Trenton, Yardley, Princeton and throughout NJ

Auto Insurance Policy Information

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 New Jersey car 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.

Click on the link below to fill out a secure quote request form for a NewJersey 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 (866) 771-1313 to discuss the features in more detail. 

OR Click the Links Below for More
Information on New Jersey Insurance
Policy Coverage Options
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.
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Comprehensive Coverage

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 amountyou 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.

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Liability Coverage (Bodily Injury & Property Damage)
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 (866) 771-1313 to discuss what liability coverage amounts you require to meet your family and personal needs.

15/30/5 or $15,000/$30,000/$5,000
$15,000 = bodily injury liability maximum for one person injured in an accident
$30,000 = bodily injury liability maximum for all injuries in an accident
$5,000 = property damage liability maximum for one accident

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. Thiscoverage also assists in protecting you if a lawsuit arises from an accident. The minimum coverage amount in New Jersey is $5,000.

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Medical Payments Coverage

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.

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Personal Injury Protection Coverage

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.

Benefits Provided Include:

  • Payment of 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).
  • Payment of 60% of gross income loss caused by inability to work because of an injury suffered in an accident.
  • $5,000 death benefit

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Uninsured Motorist Coverage
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.

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Underinsured Motorist Coverage

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.

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.

This coverage can also protect 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.