#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…

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The 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…

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How 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…

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What 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…

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What 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…

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Comprehensive 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…

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Personal 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…

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Glass 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…

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NJ 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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