auto insurance policy

28 Nov 22

Auto Insurance: A Brief Introduction

Auto Insurance:  A Brief Introduction For most of us, insurance is a necessary part of modern life. By buying the right type of insurance, in the right amount, and in the right way, we do ourselves a tremendous favor. In  case of a car accident,  having  the right insurance can be critical to surviving the […]
Read More
11 Jan 22

Insurance You Must Buy

Auto insurance in New Jersey is mandatory. The penalties for driving while uninsured carry severe  penalties, including loss of license for a substantial  period  of time and possible jail time.  Not to mention a hefty fine.  The type and cost of coverage in New Jersey can vary significantly depending  on  the type  of policy you […]
Read More
11 Jan 22

What is insurance and why buy car insurance?

You probably have an intuitive understanding of what insurance is and how it works. You may even have had extensive experience in buying insurance and in dealing with insurance companies. But few people-expert or novice-stop  to ask themselves what insurance actually is. So what does it mean to buy insurance, really? Buying insurance is paying […]
Read More
16 Feb 21

Why Buy Car Insurance

We get this question a lot. Why buy car insurance? Yes, it is required in New Jersey (and that’s certainly the primary reason) but there are additional important reasons why we buy car insurance. Controlling risk and ensuring that there is downside protection against a large economic loss due to a driving mistake are also […]
Read More

How does auto insurance work?

If you are ever involved in a car accident, having the right insurance could be critical to surviving the financial hardships that an auto accident could bring to you and your family. Having the right insurance will protect your property, help with the repair or replacement of your car, and protect your well-being by assuring […]
Read More

Basic v. Standard Policy

A basic policy is a very limited policy and provides only the very minimum insurance coverage for NJ Law. The basic policy includes a $15,000.00 limit in personal injury protection, which means  if you were in an accident, your insurance company is only required to pay up to the $15,000.00 for your medical bills. There […]
Read More

Auto Insurance Adjuster – Friend or Foe?

When talking to an insurance adjuster, be careful. An auto insurance adjuster will likely be among the key people you encounter after a car accident. When you are the victim of an accident, you may be inclined to seek out someone friendly and compassionate to help you and guide you through a difficult time. It […]
Read More
30 Nov 18

Threshold Election and Your Right to Sue

Threshold Election affects your ability to sue. Under New Jersey Law, your ability to sue the driver at fault for an accident is entirely dependent on your threshold election.  When you purchase a standard auto insurance policy, you must make a choice about the rights you will have if you are injured in an automobile […]
Read More