Auto Insurance

Driving today is risky business, whether in Westwood, Garfield, or elsewhere in New Jersey.  Distracted drivers are everywhere. They’re putting on makeup, texting, fiddling with XM stations, dealing with children in back seats, and even reading books or watching DVDs behind the wheel.

It makes for a few insane obstacle courses on roadways, causes accidents, and puts others at risk. Without adequate New Jersey auto insurance protection , you could find yourself paying big for the poor driving of other driver.

Johl & Company wants to save you the pain of experiencing an accident without insurance of your own. Drivers who either have no auto insurance coverage of their own or who have an amount of coverage that’s inadequate to pay your medical bills after a crash or repair the damage to your vehicle are at risk for a steep and unexpected financial hit.

Do You Need Auto Insurance?

If you own or operate a vehicle or motorocyle in the state of New Jersey, you’re required to have auto insurance on the vehicle you’re driving. While the state of New Jersey requires a specific minimum amount of auto protection, you really need a policy that goes above and beyond the state minimum.

The state minimum only offers compensation for accidents in which you are at fault and damage the property or cause injury to other drives. Unfortunately, the high costs of medical care and auto repair often means that the coverage is insufficient.

Additionally, when you have the state minimum coverage, it only covers liability and does not protect your own vehicle or need for medical care and attention in an accident.

What Type of Auto Policy Do You Need?

The truth is that most people in the state of New Jersey require several different types of auto insurance if you want a comprehensive plan that protects your vehicle, your investment in your vehicles, and your personal assets in the event that you’re found to be at fault in an auto accident. These are a few different types of coverage you want to be sure are included in your auto policy.

Auto Liability Coverage

This type of coverage is available in varying amounts. You’ll want to work with an independent insurance agent in New Jersey to determine that amount that offers you an amount of protection you’re comfortable with. It helps to pay for injuries, property damage, and legal fees related to the accident, up to the covered amounts.

Personal Injury Protection (PIP)

This valuable insurance coverage provides for medical treatment you require after an accident regardless of who is found to be at fault in the accident. Many policies cover injuries sustained to your passengers as well.

Comprehensive Insurance

Comprehensive coverage applies to things unrelated to an accident, such as a tree falling on the car or vandalism done to the car. It helps to cover the costs of repairing or replacing (paying off if necessary) your vehicle afterwards.

Collision Insurance

This insurance will help to repair or replace your automobile in the aftermath of an accident in which you hit another vehicle or a stationary object.

Uninsured/Underinsured Motorist Coverage

Sometimes, the other vehicle(s) that are “at fault” in the accident does not have insurance, or has too little for the damage and injuries involved in your accident. When this happens, uninsured/underinsured motorist coverage steps in to bridge the gap so you can get the medical treatment and repairs that are necessary.

Why Buy Insurance from Johl & Company?

Johl & Company has been serving New Jersey car and motorcycle owners since 1963 by offering the right combination of service, value, and insurance protection based on your unique auto coverage needs. Most importantly of all, we provide you with personal service whether you’re purchasing insurance of filing claims.


Call Johl & Company today at 877-774-2937 to learn more about our auto insurance products and to get a free rate quote.

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Contact us today for a free quote for both personal and business coverage.

What Our Clients Say

  • reviews

    I would like to start by saying my experience with your agency has been amazing. I have been a customer for a few years. When I first stepped foot in your office I was close to loosing my car insurance coverage with my old provider, some places were turning me away and I was receiving high quotes from other companies. Your agency was the only one that took their time with explaining my options and providing the best insurance coverage that suits my needs. Your knowledge in this field helped to educate me with my decisions.

    – Yadira B, Garfield, NJ

  • reviews

    Just a few words of appreciation. The Kozma/Johl Insurance agency have insured my home and automobiles etc. for the past fifty years, during this period I had a few problems which were resolved without incident. The agencies associates were very professional in resolving these claims and I was more than satisfied with the results.
    Furthermore I will recommend the agencies services to my family and friends without reservation. Once again thank you

    – Carl H., Elmwood Pk, NJ

  • reviews

    Two years ago, I needed insurance for my newly purchased condo. When I reached out to my good friend Drew Stolz for advice, he not only assisted but was also able to get me car insurance, bundled with the condo policy for a cheaper price! He immediately found an affordable plan and explained all the details in ways I could understand. Every year on the annual date, he looks to find the best coverage plan and also one that is the most affordable. I am so grateful for Drew’s assistance.

    – Kim L., Granby, CT

  • reviews

    I have been a customer of Johl & Co for many years, both for my business and personal insurance. Over the entire time, I have been treated with best in class service along with competitive rates. Everyone at Johl that I have dealt with over the years has always been able to address any question, claim or concern in the most prompt professional manner. I would strongly recommend Johl & Co. to anyone for all their insurance needs.

    – Bob K., Englewood Cliffs

  • reviews

    As far as the John Johl Company, I have been a customer for I want to say like 22 plus years. I have been more than satisfied not only with the coverage , but with the service as well. You are there when I need you and you take the extra step to ensure the best coverage and the best options for Kathy & my peace of mind.
    Geiko , Progressive who ??? I Always refer you…..

    – Mark N., Lyndhurst, NJ