Posts Tagged ‘NJ auto insurance’
Your 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 MoreWhat is Gap Insurance?
Gap Insurance and Automobile Coverage When you have a loan or lease on your car and the car is totaled, often the market value of the vehicle is less than the money you owe the bank. This means you are “underwater” and have to pay money out of your pocket to pay off the loan…
Read MoreWhat is Collision Coverage on an Auto Insurance Policy?
Auto Collision Coverage Collision coverage covers your car against damage to your car in an accident you cause, or damage caused in a hit and run accident. It is purchased on a car by car basis on a policy, meaning that not all cars on a given policy have to have it, or to have…
Read MoreComprehensive Coverage on an Auto Policy – What it Means…
What is comprehensive coverage on an auto policy? Comprehensive coverage covers your car against theft, fire, vandalism, damage from a falling object, flood, animal and other non-accident damage. It is purchased on a car by car basis on a policy, meaning that not all cars on a given policy have to have it, or to…
Read MorePersonal Injury Protection and New Jersey Auto Insurance
The Newark Star-Ledger ran this article regarding PIP reform in NJ on Sunday, March 18. PIP stands for Personal Injury Protection, and provides medical coverage under an auto insurance policy you have been injured as a driver, a passenger, or pedestrian and have been involved in a personal automobile accident. It underscores the rising costs…
Read MoreGlass Coverage on Auto Insurance Policies
Generally, an auto policy covers the windshield on your car if you have “full coverage” on the vehicle. Full coverage means that you have comprehensive coverage, which includes physical damage to the car not caused by an accident. Use of the comprehensive coverage is subject to a deductible; however, if the windshield can be repaired…
Read MoreNJ Auto Insurance Rates to Go Up
This article appeared in the Newark Star Ledger last week discussing the explosion of medical expenses on NJ auto insurance policies. This is beginning to have an adverse impact on rates. http://www.nj.com/business/index.ssf/2012/01/nj_auto_insurance_rates_on_the.html
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