Why do you need an insurance in new jersey?

If you drive without an insurance in New Jersey, there are some penalties which may be severe like revocation of your license, paying fines, suspension of you car registration or maybe put to jail. You will lose wages and cause suffering to other people in case of accidents.

what are the types of policies available for new jersey auto insurance policy?

New Jersey offers two types of insurance policies:

Basic policy- this is a low cost policy and is compulsory for all motorist. You will receive minimum protection at a very cheap rates although you get few benefits as well

standard policy- you will receive a wide protection but can expect a higher premiums as well compared to the basic policy.

The coverage available for the car insurance are the following:

Property damage liability- $5,000 per accident coverage under basic policy but ha the higher coverage under standard

Bodily injury liability- $10,000 per accident for all affected person, $15,000 per person for each accidents and overall $30,000 for all persons in accident in a higher limits

Personal Injury protection- $15,000 per accident per person, maximum limit of $250,000 for permanent injuries for basic policy. on the other hand $250,000 per accident per person and up to $250,000 for permanent injuries for the standard policy

Goodluck!

-MariCAR