New Jersey Collision Coverage

New Jersey Comprehensive Coverage

New Jersey Auto Insurance Buyers Guide

NEW JERSEY COMPREHENSIVE COVERAGE (also known as comp or other than collision) and NEW JERSEY COLLISION COVERAGE are not required by New Jersey law, but may be required under the terms of an automobile leasing or financing contract. Learn about NJ comprehensive coverage and NJ collision coverages below.

New Jersey collision coverage pays you for damage that you cause to your automobile. You can also make a claim under your own New Jersey collision coverage for damage to your car from an auto accident you did not cause. This may take less time than making a property damage liability claim against the driver who caused the auto accident. Your insurer then seeks reimbursement from the insurer of the driver who caused the auto accident.

New Jersey Comprehensive coverage pays you if your automobile is stolen or for damage to your automobile caused by things not covered under collision coverage, such as vandalism, flooding, fire, a broken windshield or damage from an animal.

DEDUCTIBLE — The STANDARD deductible for New Jersey comprehensive coverage and New Jersey collision coverage is $750. Higher and lower deductibles are available as options. Higher deductibles can reduce your premium.

NAMED DRIVER EXCLUSION — Prevents certain drivers on your policy from being covered by collision and/or comprehensive coverage on a specific automobile. This can lower your premium, but if the excluded driver operates the automobile and is involved in an auto accident, you are not insured for collision and/or comprehensive coverage; which means you could be personally responsible.

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New Jersey Collision Coverage

New Jersey Comprehensive Coverage

New Jersey Auto Insurance Buyers Guide

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