Life Insurance Jersey City New Jersey NJ
Reader’s Question:
My buddy says uninsured motorist coverage is required by law. I have just moved to New Jersey and have never had it before. Am I breaking the law in Jersey City New Jersey NJ?
Francis
Jersey City, NJ
Hi there Francis,
Every driver in the state of New Jersey is required to carry uninsured motorist coverage. Uninsured motorist coverage is not required in many states. This coverage is covered under your liability insurance. Specifically uninsured motorist coverage protects you if you are in an accident with an uninsured driver. Yes, Francis, they are out there!
Limits for uninsured motorist coverage are the same as for your liability insurance. Remember, they can be increased by an additional endorsement. Regardless of fault, this protection pays for medical costs in an accident where the other driver is uninsured. In states where uninsured motorist coverage is not required by law, this coverage is available as a fairly inexpensive rider. It is well worth the protection in Jersey City New Jersey NJ.
Uninsured motorist coverage also protects the operator of a vehicle in which a hit and run has occurred. If the violator flees and is not located, this rider covers the medical expenses. We hope this never happens to you, but you should contact a New Jersey auto insurance agent and review your policy. Drive safely!
Tags: auto insurance, car insurance, uninsured motorist
New Jersey NJ Auto Insurance Question
Reader’s Question:
Hi! I would like to ask the reasons why it is necessary to have an Auto insurance policy. Please give me some guidelines to get the best coverage. Hope you could lead me to the best insurance company in New Jersey. Thank you!
Dorothy
Jean, New Jersey
Hi! It should be our top priority to get auto insurance policy because it protects your investments, your car in particular. So to get the best coverage, I will give some guidelines to help you.
There are many things to consider in choosing auto insurance to get the best coverage. It is quite complicated, so should always be smart enough.
Before calling the insurance company, think first; take time to decide what kind of coverage you really need. You may call some agents that you know and ask them thru a phone call, or either you may inquire online.
Be careful in choosing insurance company. You should choose the company with financial strength and capacity.
Get a list of selected insurance providers and make some researches about them. Search for the company that can give you the best coverage and discounts in New Jersey.
Lastly, try to understand all the details written in your policy. If you cannot understand call an agent to explain it to you. This is always the problem of many policy holders. They walk out the door without question regarding the policy. When the time you need to claim, they do not know what to do.
Thanks for aking a relevant question, Dorothy! Hope you make the right choice for your caprices, dear.
Auto Insurance Question New Jersey NJ
Reader’s Question:
I am looking to reduce my auto insurance premium amount with a local auto insurance in New Jersey. Would additional safety features make a difference?
Joe
Bayonne, NJ
What a great question, Joe!
Most additional safety features can save you up to 15% on your auto insurance premiums. These include anti-lock brakes and airbags.
The five most common bonus safety features are:
1. Airbags: Although auto insurance discounts vary from state to state, most states now require providers to give discounts to consumers who own cars with airbags.
2. Anti-lock brakes: Anti-lock brakes are intended to keep your wheels from locking if you slam on your brakes. Anti-lock brakes help you keep more control during a brutal stop and decrease your stopping distance. They are on 63% of all new cars made and on 90% of all light trucks. Some states require providers to give discounts to those people whose cars have anti-lock brakes.
3. Automatic seatbelts: More than half of those people killed in auto accidents in 2005 were not wearing seatbelts. It is not only the law to wear a seatbelt; it is also the best way to protect yourself. Automatic seatbelts, which are attached to a rail above the car door and move into place when the car door closes, ensure that you are wearing your belt at all times.
4. Car alarms: Having an audible alarm on your car will scare thieves away as well as save you some money on your car insurance. Most new cars come equipped with a noisemaker alarm and such alarms can be purchased and installed on older cars too. Make sure your insurance provider is notified when you install an audible alarm on your vehicle.
5. Getting your Vehicle Identification Number etched onto the windows of your car is also a considerable option. The etching acts as a deterrent to thieves. This also makes the car less usable for re-selling as the etched parts are useless to the thief.
Check with your insurance provider to make sure that the savings on your premium outweigh the costs of these additional safety features.
Auto Insurance Help New Jersey NJ
Reader’s Question:
We have moved to New Jersey. We will be taking care of my elderly mother. She no longer drives and took her car off the road two years ago. It would be helpful to get the car back on the road. What do we do about auto insurance and how much should we expect to pay?
Tom
Jersey City, NJ
Tom, you will need to take proof of automobile insurance with you when you register your mother’s vehicle with the New Jersey State Department of Motor Vehicles. Depending on the status of the title, you may be able to register on line but you will need valid plates to drive the car. Usually you would take your auto insurance card, the title to the vehicle and a method of payment to DMV. After processing, you would be issued plates on the spot. The process is not really too complicated.
Many factors determine the premium amount for automobile insurance. Amount of deductible, amount of collision coverage and the driving record of the operator impact the cost of auto insurance.
Like most states, New Jersey uses a point system to rate violations. Over time, your auto insurance rates can rise or fall depending on your driving history. The state offers Safe Driver programs that can lower your rates. Your auto insurance carrier will reward you for participation in these programs.
Tom, there is a great deal of on-line information about New Jersey auto insurance. Do some research and you will get a good idea of the coverage you need along with reliable premium estimates.
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