How To Get Car Insurance In New Jersey
The state of New Jersey is popularly known to have the most pricey auto insurance in the United States of America. This situation has even caused residents to consider moving to another state.
But today, there has been a turn in tables, and New Jersey car insurance rate has already become more like that of any other state and you can also already purchase cheap car insurance in New Jersey. The requirements however for the state of New Jersey are quite unique to the state because in order to drive legally in New Jersey, you would have to abide with the financial responsibility law of the said state which basically means that you need to establish financial responsibility that comes in three options.
First, you can buy the basic liability insurance which is the coverage that suits New Jersey's minimum requirements. Included in this basic insurance is a $10,000 coverage for injury or death to more than one person and another $5,000 for damage of property. Second option is the standard liability coverage which includes more options and the chance to add more protection and for your information, this type of coverage is the most popular in NJ. This insurance has a $15,000 coverage for injury or death for an individual, a $30,000 coverage for injury or death of more than a single person, $5,000 for any damage to property, $15,000 for personal injury protection and yet another $15,000 for uninsured or underinsured injury to a motorist. Last but not the least is self-insurance which is permissible only for those who own more than 25 vehicles.
So if you are unable to buy any one of these insurances, and you are pulled over, you are answerable by law and have to suffer some consequences. Your first offense would mean that you have to pay $300, get suspended for a year and perform community service. The next offense would mean paying a $500 fine, two years suspension, fourteen days imprisonment and thirty days of community service.
That's how deadly it is to be driving without insurance! So aside from buying insurance, you must also see to it that you bring with your proof of insurance and financial responsibility so that you'll have something to show to the authorities in case you get pulled over. What's meant by this is that you should take with you a certificate of self-insurance or your insurance identification card which is typically handed to you once you buy insurance from an insurance company.
So that's everything you need to know so you'll not get yourself in trouble when driving in the streets of New Jersey.
But today, there has been a turn in tables, and New Jersey car insurance rate has already become more like that of any other state and you can also already purchase cheap car insurance in New Jersey. The requirements however for the state of New Jersey are quite unique to the state because in order to drive legally in New Jersey, you would have to abide with the financial responsibility law of the said state which basically means that you need to establish financial responsibility that comes in three options.
First, you can buy the basic liability insurance which is the coverage that suits New Jersey's minimum requirements. Included in this basic insurance is a $10,000 coverage for injury or death to more than one person and another $5,000 for damage of property. Second option is the standard liability coverage which includes more options and the chance to add more protection and for your information, this type of coverage is the most popular in NJ. This insurance has a $15,000 coverage for injury or death for an individual, a $30,000 coverage for injury or death of more than a single person, $5,000 for any damage to property, $15,000 for personal injury protection and yet another $15,000 for uninsured or underinsured injury to a motorist. Last but not the least is self-insurance which is permissible only for those who own more than 25 vehicles.
So if you are unable to buy any one of these insurances, and you are pulled over, you are answerable by law and have to suffer some consequences. Your first offense would mean that you have to pay $300, get suspended for a year and perform community service. The next offense would mean paying a $500 fine, two years suspension, fourteen days imprisonment and thirty days of community service.
That's how deadly it is to be driving without insurance! So aside from buying insurance, you must also see to it that you bring with your proof of insurance and financial responsibility so that you'll have something to show to the authorities in case you get pulled over. What's meant by this is that you should take with you a certificate of self-insurance or your insurance identification card which is typically handed to you once you buy insurance from an insurance company.
So that's everything you need to know so you'll not get yourself in trouble when driving in the streets of New Jersey.
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