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Auto Insurance

The State of New Jersey requires all registered motor vehicles to be insured for liability, personal injury protection (PIP) and uninsured motorist coverage. Collision, comprehensive and other coverage is optional.

Liability coverage pays for injuries to other people (bodily injury liability) or damages to their property (property damage liability) if you are responsible for their losses.

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Personal Injury Protection (PIP) eliminates the need for an auto accident victim to seek legal action to recover medical expenses. PIP, which is also known as no-fault coverage, pays all reasonable medical expenses up to $250,000 per person per accident, regardless of who is at fault for an auto accident.
Uninsured Motorist coverage protects you against other drivers who have no insurance and are legally responsible for injuries to you, your passengers or resident relatives or for damages to your vehicle or its contents.

Underinsured Motorist coverage provides you with protection against drivers who have liability insurance with low limits. If you are involved in an accident caused by an underinsured driver, this coverage will pay for damages up to the difference between your underinsured motorist coverage limit and the other driver's liability coverage limits.

Collision coverage pays for damage to your vehicle caused by your vehicle striking objects such as other cars, trees or telephone poles, or for the vehicle overturning, or for other moving objects hitting your vehicle.

Comprehensive coverage pays for nearly every other kind of damage to your vehicle, such as fire, theft, flood, vandalism or contact with a bird or animal

You may purchase other optional coverage such as additional PIP, towing and rental reimbursement. Be sure to ask us about the availability of these coverages.

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