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Types Of NJ Auto Insurance Coverage
Standard & Basic New Jersey Car Insurance Policies
NJ Personal Injury Protection (PIP)
NJ Uninsured/Underinsured Motorist Coverage
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New Jersey Auto Insurance Buyers Guide
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You can protect yourself from being hurt financially by
buying New Jersey uninsured motorist protection and New Jersey
underinsured motorist protection. Without New Jersey uninsured motorist
protection and New Jersey underinsured motorist coverage, you have little
likelihood of gaining payment for damages you or your vehicle sustain if you're
involved in an accident with a driver who is either underinsured or driving
without any coverage. |
- NEW JERSEY UNINSURED MOTORIST COVERAGE — Pays you if you are in an
auto accident caused by a driver who does not have the minimum level of
insurance required by law. Claims that
you would have made against the
uninsured driver who caused the
accident are paid by your own policy.
Uninsured motorist coverage does
not pay benefits to the uninsured
driver.
- NEW JERSEY UNDERINSURED MOTORIST
COVERAGE — Pays you if you
are in an auto accident caused by a
driver who is insured, but who has less
coverage than your underinsured
motorist coverage. Damages greater
than the limits of the other driver's
policy are covered by your policy up to the difference between the limits of
your underinsured motorist coverage and the other driver's policy limit.
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