New Jersey Auto Insurance
The following information can also be found on the State of NJ
Motor Vehicle Commission website. Car owners who register their autos in the state of New Jersey need
to know the following:
- The three types of mandatory car insurance that are required
- When and how to use the Auto Insurance Identification Card
- What happens if you drive without insurance
- What effects the cost of auto insurance
Mandatory NJ Auto Insurance Requirements
The following three types of car insurance are required:
Liability Insurance - This insurance pays others for
damages that you cause when you are responsible for an accident, but
does not cover medical expenses. It also pays for a lawyer to
defend you if you are sued for damages that you cause.
Personal Injury Protection - This insurance pays medical
expenses if you or other persons on your policy are hurt in an car
accident. This is also called "No Fault Coverage". This
insurance is used to cover your medical expenses or those of other
persons on your policy whether or not you are at fault.
Uninsured Motorist Coverage - This insurance protects you
if you are in an accident with someone who doesn’t have proper
insurance coverage. A minimum amount of coverage is required.
You can purchase higher limits if you want more coverage, but cannot
exceed your primary liability limits.
Contact us or submit an
online quote to learn about
different coverage choices!
New Jersey Auto Insurance Identification Card
Each auto
insured on your policy must have an insurance card provided by the
insurer. The card must be kept in the car and must be presented
as follows and failure to present the card may result in fines:
- At the time of vehicle inspection
- When the car is involved in an accident
- When the driver is stopped for a traffic violation or in a spot
check
Driving an Uninsured Vehicle
Driving without insurance in New Jersey may result in fines, license
suspension, community
service, and/or an insurance surcharge.
The Cost of Auto Insurance
There are several factors that affect the cost of auto insurance,
that may include, but not limited to your driving record,
vehicle type, geographic area, marital status, gender, age, and the
policy options you choose. Click here to learn more
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