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Next, you want to be sure that you are covered in the event any property damage is done. Property damage protects you against a claim for damages to either another vehicle or property in an accident for which you are liable. The third number (10/5/15) tells you how much your new jersey auto insurance plan will cover for property damage in any one accident.
The average new jersey auto insurance premium is $1,365 in 2003; the national average was at $914. Since most people think new jersey auto insurance rates are fixed by state and new jersey car insurance companies, they never shop around for better new jersey car insurance rates. Our site helps you find the cheapest new jersey automobile insurance rates and discounted prices available in New Jersey, so average New Jerseyites can get a better-than-average low new jersey auto insurance rate.
Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. Bodily injury coverage applies in an accident for which you are liable (at fault). This protects you in claims for damages including medical expenses, lost wages and pain and suffering. This coverage also applies for a member of your family driving your car or someone else driving with your consent. For example, New Jersey requires a minimum of 10/5/15 liability coverage. The first number is the amount that new jersey auto insurance plan will cover for any one person ($10,000). The second number is the total amount new jersey auto insurance policy will pay for all persons injured in an accident ($5,000).
For better or for worse, the price of New Jersey auto insurance quote is decided by the behavior of the state's drivers as a whole. New Jersey auto insurance companies take the cost of insuring New Jersey drivers (this includes settlements and legal fees) and divide it up among the drivers. But the cost isn't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.
Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members of your family in your household and occupants of your automobile for personal injuries caused by a hit and run driver or an uninsured motorist. This coverage basically replaces the insurance the other driver should have bought but did not.
New Jersey car insurance rates change over the years, if you are not careful you could end up paying too much for your new jersey auto insurance premium. Looking back, the average new jersey auto insurance premium in 2000 was about $1,146, an increase of about 19.11% in just 3 years!
New Jersey auto insurance laws offer drivers a choice between a basic
and a standard auto insurance policy. The basic new jersey auto insurance policy has low coverage amounts, and is designed for the driver with few assets or family responsibilities. The standard new jersey auto insurance policy requires minimum liability coverage of 15/30/5 ($15,000 per person injured, up to $30,000 total, and $5,000 in property damage), as well as personal injury protection (PIP). The basic new jersey auto insurance policy includes optional bodily
injury liability coverage of $10,000, $5,000 worth of property damage liability, and at least $15,000 in personal injury protection (PIP).
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