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 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.
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.