Archive for August, 2009
Auto insurance pedestrian accident shows how quickly things can go wrong – another reason why we need to ensure that our insurance is up to date at all times!
New Jersey Automobile Insurance – What is Required by Law?
New Jersey automobile insurance is not just about a law that requires you to have it. It’s also a great idea for protecting your family. A good insurance policy protects not only your car but your spouse and children as well. In a
tough economy it might be tempting to risk a ticket and to drive without auto insurance but not only is that against the law and will result in a stiff fine, it also puts your family in danger as well.
Ok so let’s start with what New Jersey Automobile Insurance is required for you to be within the law. You may have heard the name SR 22 which is what most people recognize as the basic insurance that is required by law. The name SR 22 refers to the insurance form for this basic coverage. New Jersey has something called the No Fault Law which requires that you have $10,000 in property damage coverage and $10,000 in personal injury protection as well. If you have any questions about what is required you can contact the New Jersey Highway Safety and Motor Vehicles Department as they oversee those requirements. Believe it not New Jersey is actually not as strict as some other states when it comes to what the minimum requirement for auto insurance is.
There are a couple of things you need to be careful of when looking for New Jersey automobile insurance. If you bought car insurance in another state that coverage should be ok in New Jersey if they are a major company. But if you
bought insurance from a small carrier in another state it might not qualify in New Jersey if the company is not licensed to do business there. This is usually only a problem if you are not dealing with major insurers. So what happens if
you are pulled over without insurance? In New Jersey you will be fined $150 for each time you are found driving without insurance and that amount does usually go up with each violation. Also even if you do not drive your car often, unlike some other states, in New Jersey you must have insurance.
New Jersey automobile insurance is a necessity not an option but that doesn’t mean you just have to take any policy. You can use the internet to get quotes on coverage for you and your vehicle and compare the best policies. Take the time to find the best insurance coverage available so that when you need to file a claim your homework will really pay off.
Did you know you should get auto insurance quotes each year?
Purchasing Auto Insurance Online – Get your auto insurance quotes in New Jersey and compare rates from major carriers. It’s quick, easy & free! Technorati Tags: Auto Insurance Companies, Auto Insurance Coverage, Auto Insurance Quote, Auto Insurance Rates, Auto Quote, …
Auto Insurance Quote New Jersey – Get Auto Insurance Quotes In New Jersey. Enter your zipcode, click yes or no and get quote! Insurance: Auto. Zip Code: Are you insured? Yes No. Did you know you should get auto insurance quotes each year? We all know we should but do we …
Are You Really Covered (with your Current Auto Insurance Policy)? – Get your auto insurance quotes in New Jersey and compare rates from major carriers. It’s quick, easy & free! Technorati Tags: Auto Insurance Policy, Bodily Injury Liability, Personal Injury Protection, Property Damage Liability, …
The Best Car Insurance Companies? – Get your auto insurance quotes in New Jersey and compare rates from major
Photo by SARAH RA RA carriers. It’s quick, easy & free! Technorati Tags: Auto Insurance Policy, Best Car Insurance Companies, Car Companies, Car Insurance Companies, Car Insurance …
You are probably wondering why you even need auto insurance at all and why everyone says it is so necessary.
Believe it or not, auto insurance is one of the most important types of insurance that you can get. It is so important that you are protected when you own a car, and we have narrowed down some good reasons why this is.
Pays for a car replacement: Suppose you get in an accident with your vehicle and it has to be towed. If this is the case, which is very likely with the amount of accidents that happen on the road these days, you are going to need to pay for your car to get fixed and to have an additional car to use while yours is in the shop. If you have auto insurance, these expenses are covered for you. However, if you do not have auto insurance, you will not be able to have these expenses covered and be left with having to figure out someway of paying them out of pocket.
Photo by sylvester75117Pays hospital bills: If you get into an auto accident and get injured, or if you injure someone in an accident that is your fault, you have to pay the medical and hospital bills. Without the auto insurance coverage you need, you will be left having to pay for this all by yourself, which could lead you into bankruptcy or high amounts of debt. Don’t let this happen to you. By getting auto insurance you can be sure that these hospital bills are fully covered for you by the company.
Pays for costs if you hit someone: If you are driving and you hit someone, it is your obligation by law to pay for the damages that you cause. Not only are you obligated to pay for the other person’s damaged vehicle, but you also must pay for your own. With auto insurance coverage, you will not have to worry about these costs because they will be covered for you. You could lose your license without it
You may not have realized it, but it is actually illegal for you not to have auto insurance. Therefore, if you are caught driving without auto insurance, you risk the possibility of losing your license for good. You do not want to be left without the ability to drive simply because you failed to get auto insurance coverage.
The best advice my insurance agent ever gave to me was; insure against the uninsured!
I am now a HUGE advocate of that advice & have been ever since Nov. 2004 when a hit & run driver, hit me while I was 
Photo by andy54321riding my motorcycle. The only time this driver slowed down was when he or she applied the brakes to see to it that the bike & I rolled off the hood of their car. I was left to crawl across 6 lanes of traffic, on a Sat. night, in Memphis, Tn.
My injuries led to a week long hospital stay at the best trauma unit around the mid south, I had surgeries for my leg, arms, feet. It was followed up by intense physical therapy. Not to mention my bike was totalled. At the time of the accident, I had been a licensed rider for 24 years. The night was crystal clear & the weather was beautiful. It was an accident but it was one I was insured for. The medical bills for his was astounding & would have wiped out everything I had saved.
I was off work for months. No paycheck coming in at all. I have two schoolage children at home & I was widowed in 94. I hated to write that check ever month to the insurance company because I am such a good, experienced rider; nothing can happen to me, RIGHT? except that it did.
Prepare for the worst but hope for the best. Insure yourself for it!
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Compare Auto Insurance Rates In Your Area… Enter your zip code below and click Go |
For some drivers, deciding to change from one auto insurance company to another company can be intimidating, especially when they think about any additional expenses that could come with it. Fortunately for consumers, using our free quote comparison tool will help out even the stingiest of people while we give away (again, for free) quotes offered by other insurers. These quotes can be used to find better prices or better overall companies. Some reasons to use our free quote service:
Get More Coverage: When you use our free quote tool, you are able to look and see what a new policy could cost you. You can play around with the amount and type of coverage you want to purchase to see if you could get more coverage for the amount your are currently paying. Don’t hesitate to go back through the questions again and alter the answers to those coverage questions. This will give a better idea of how much coverage you can afford. Without going through and changing the options and amounts, you won’t know how much coverage you should purchase. Every driver should have as close to full coverage as possible to help alleviate any financial headaches at the time of an accident. Full coverage can help lessen the amount of out of pocket expenses you’ll wind up paying.
Find The Best Company: It’s easy to tell that there can be more than one company considered as the “best” auto insurer because there are so many drivers on the road that have their own opinion. Often, these opinions don’t match with one another. However, because our quote comparison tool gives multiple quotes from more than one company, the door is opened to the consumer to check out these other companies to find which one suits their situation best. Looking at each company’s price, coverage options, terms, and customer service rankings can give the driver a better idea about the company.
Find Local Auto Insurance Companies: When searching for an online quote on our site, we will also provide the names of the companies who are offering them. These companies are reputable and just as importantly, they serve the local area. Going through the phone book will provide names of local insurers, but that takes a lot of time especially if a person decides to contact each of them to find out their current rates. Using our free quote tool helps everyone save money by showing different options in price, but it also saves people time by cutting out the hassle of contacting every company.
Get Low Rates: Finding a list of quotes and comparing them make it easier to find the low rates that are being offered. Of course anyone can contact each individual insurer in the local town, and even the ones in the entire area. But this takes time, which is something not everyone has. When a driver is looking to find low rates for an insurance policy and doesn’t have much time to spare, they should utilize our quote comparison tool to get their free quotes. In addition to being a free service, there is no limit to how many times a person can use it. They can evaluate how much it would cost to add more coverage to their policy or lessen the amount of coverage they have. Making use of the free quotes will help give a driver the advantage and find low rates.