Auto Insurance
Planning a Summer Road Trip? Be Prepared for Post-Pandemic Driving Challenges
The common causes of traffic accidents and deaths are well-known—distraction, congested roadways, reckless driving—to name a few. In March of 2020 when the pandemic began, stay-at-home and shut-down orders emptied roadways of non-essential travelers both in New Jersey and across the country. Logically, one would assume that fewer drivers would lead to fewer accidents and…
Read More3 Stages of Teen Driving in NJ:
Learners, Probationary, and Full Privilege Explained Your teenager is learning to drive! How time flies. We all remember our children pushing around plastic cars or riding their first bicycle. Can’t we go back to that? While it may feel like it is too soon, if your teen is obtaining a New Jersey Driver’s License, they…
Read MoreYour NJ Auto Insurance Policy: 3 Things to Know When Adding Your Teen Driver
Have you ever wondered how your auto insurance policy will change when your child first learns to drive? Here are 3 things you should know about your changing auto policy for when your teen gets behind the wheel. 16 Can Be Expensive. The crash rate per mile driven is 1.5 times higher for 16-year-olds than…
Read More#SaveYourSelfie: A Movement to End Distracted Driving
Between 2004 and 2013, the state of New Jersey experienced nearly 1.4 million motor vehicle accidents involving a distracted driver. These accidents resulted in more than 1,600 deaths and thousands more injuries. These staggering statistics encouraged New Jersey lawmakers to take action—as of July 1, 2014 the fines for talking or texting on a cell…
Read MoreThe Most Common Causes of Car Accidents
Car accidents happen everywhere, every day. Most people at least know someone who has been in a car accident if they, themselves have not. If you have been in an accident and are reading this, consider yourself lucky: approximately 1.2 million people die every year from car accidents, and by the year 2020 that number…
Read MoreHow Much Car Insurance Do You Need?
Whether you’re choosing your first auto insurance policy, making a switch, or looking for additional coverage, it is important to understand the basics of car insurance. Here’s what you need to know: Types of Car Insurance Coverage There are many types of auto insurance policies available. These policies provide various levels of protection. Some drivers…
Read MoreWhy Do I Need Insurance to Cover Uninsured or Underinsured Drivers?
Uninsured/underinsured motorists coverage on an auto policy (also known as UM/UIM) is an important coverage component all drivers should have. This coverage protects drivers in situations where they are involved in an auto accident with a driver who carries minimal insurance limits or is driving without any insurance at all (a common occurrence, unfortunately). Understanding…
Read MoreControlling the cost of your auto insurance when you have a teenage or young adult driver
Auto insurance can become very expensive when you add a teenager or other newly licensed driver, such as an au pair, to your policy. Over half of all young males will have an accident in the first year of obtaining a license. Auto insurance companies tend to charge for their presence on the policy with…
Read MoreDistracted Driving Dangers
Philadelphia Insurance has created a short training video on the perils of distracted driving. This has become a serious problem, especially amongst young drivers. Please send this blog post to any young driver, and access the video at https://www.phly.com/Campaign/SafeDriving.aspx.
Read MoreThe Risks of Distracted Driving
Operating a car while distracted – by dialing a cell phone, texting, or even picking up a dropped object in the car – increases the chance of getting into an accident by a factor of 23. Travelers has put together a short video explaining the risks and hazards of distracted driving at http://www.youtube.com/watch?v=bu27tdKJc5U&list=SPsPkdc_BejTgaurMLCAK1cl6C2rBL0D9d
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