Make sure you have an up to date NJ car insurance quote before hitting the roads – The state of New Jersey has some of the highest traffic numbers in the United States. Driving in New Jersey, or any other state for that matter, without some form of automotive insurance can cost you thousands of dollars in fines, possible license suspension, a possible license revocation and even possible jail time. Do not get caught without proper auto insurance in New Jersey during a traffic stop or after an accident because it is just not worth the risk.
If you live in the state of New Jersey, you are required to have some form of auto insurance before you hit the road and drive a vehicle. The state of New Jersey has made it easier for New Jersey drivers to acquire an auto insurance policy when the government passed the Automobile Insurance Cost Reduction Act. The act made it illegal for any New Jersey auto insurance company not to provide customers with some form of basic auto insurance policy. Any person who does not have a family or many other real assets are those who should acquire a basic auto insurance quote from an NJ auto insurance company.
When searching for an auto insurance quote in the state of New Jersey, you do not need to find a basic package to ensure yourself or a loved one who wishes to drive the roads of the state. In fact, you can find a decent quote that provides you with excellent coverage but does not charge you an arm and a leg. Make sure you are signing on with a licensed NJ car insurance quote company so you are not fleeced by a scam or unlicensed entity.
If you register a vehicle in the state of New Jersey, you must have the following types of auto insurance from a licensed dealer:
- Liability insurance: this type of insurance helps pay for damages that you cause to others on the roads of the state if you are responsible for an accident. This type of insurance does not cover medical costs.
- Personal injury protection: if you or another person covered by your policy are injured during an accident, this type of insurance pays the medical expenses. This is also known as no fault coverage, which means it will pay your expenses whether or not you caused the accident.
- Uninsured motorist coverage: this type of insurance protects you in the event that you are involved in an accident with a driver who is not insured.
Your insurance card must be kept in your vehicle at all times and has to be presented in the following situations:
- Prior to a vehicle inspection
- When an accident has occurred
- When you have been stopped by a police officer for a traffic violation
- When you have been stopped for a random spot check by an officer
If you live in the state of New Jersey, you are required to have some form of auto insurance before you hit the road and drive a vehicle. The state of New Jersey has made it easier for New Jersey drivers to acquire an auto insurance policy when the government passed the Automobile Insurance Cost Reduction Act. The act made it illegal for any New Jersey auto insurance company not to provide customers with some form of basic auto insurance policy. Any person who does not have a family or many other real assets are those who should acquire a basic auto insurance quote from an NJ auto insurance company.
When searching for an auto insurance quote in the state of New Jersey, you do not need to find a basic package to ensure yourself or a loved one who wishes to drive the roads of the state. In fact, you can find a decent quote that provides you with excellent coverage but does not charge you an arm and a leg. Make sure you are signing on with a licensed NJ car insurance quote company so you are not fleeced by a scam or unlicensed entity.
If you register a vehicle in the state of New Jersey, you must have the following types of auto insurance from a licensed dealer:
- Liability insurance: this type of insurance helps pay for damages that you cause to others on the roads of the state if you are responsible for an accident. This type of insurance does not cover medical costs.
- Personal injury protection: if you or another person covered by your policy are injured during an accident, this type of insurance pays the medical expenses. This is also known as no fault coverage, which means it will pay your expenses whether or not you caused the accident.
- Uninsured motorist coverage: this type of insurance protects you in the event that you are involved in an accident with a driver who is not insured.
Your insurance card must be kept in your vehicle at all times and has to be presented in the following situations:
- Prior to a vehicle inspection
- When an accident has occurred
- When you have been stopped by a police officer for a traffic violation
- When you have been stopped for a random spot check by an officer
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