You don’t know New Jersey auto insurance requirements

It is critically important for you to understand that there are some legally mandated New Jersey auto insurance requirements that you need to meet when purchasing protection for your automobile, and that if you aren’t hitting these requirements you are opening yourself up for all kinds of liability down the line.

Thankfully, the majority of the completely legitimate and reputable companies that operate in New Jersey are well aware of these legal mandates and they will make sure that you are always protected by a plan that hits the minimums.

At the same time, it really is your responsibility to make sure that you are completely covered and if you aren’t any legal repercussions are going to fall on your shoulders and that the shoulders of your company.

Here is some important information to remember regarding New Jersey auto insurance requirements and make sure that you are getting the best possible coverage at the best possible price without opening yourself up to any extra exposure than absolutely necessary.

Most “baseline” New Jersey auto insurance plans will hit the legally mandated requirements

As we touched upon briefly above, it is vital to remember that the overwhelming majority of “baseline” plans offered by companies operating in the state of New Jersey are going to hit all legally mandated requirements.

You just aren’t going to find too terribly many companies that are going to think it is a good business decision to expose their customers and their clients to all kinds of unnecessary risk or liability. It’s just not good for business.

At the same time, you never know when you are going to come across representatives that will do some pretty unscrupulous things to get you cheaper protection without telling you what front that you may be in violation of the requirements.

This is why it is so valuable for you to pay attention to all of the specific details regarding your plan and your policy, but that you also focus in on the fine print of your protection plan and that you are meeting the mandates that you need to hit.

You almost always want to add ancillary or optional coverage to protect you from serious injury or liability

Of course, baseline coverage isn’t always the most valuable coverage that you’re going to be able to take advantage out which is why you’ll want to shop for better deals that offer better than baseline coverage at incredible prices.

There are a lot of different ancillary or optional coverage components that you will be able to take advantage of, but you’re going to need to investigate the components as they become available.

Speak to your agent about the specific options that you’ll have the chance to take advantage of, but make them aware of the fact that you want to add extra coverage options without blowing up your budget along the way.

Here are some of the specific requirements you need to be sure your plan meets

The state of New Jersey has a number of policy requirements that you need your plan to meet to be “road legal”, including:

  • $15,000 worth of bodily injury liability per person
  • $30,000 worth of bodily injury liability per accident
  • $5000 worth of property damage liability per accident
  • $15,000 worth of personal injury protection

As we have touched upon numerous times in this guide, these are the baseline and minimum levels of coverage then you need to meet according to the requirements. Obviously, you’ll want to make sure that you carry significantly more coverage – especially since we live in such a tremendously litigious society.

Make sure that you aren’t paying for any extra coverage that you won’t need

At the end of the day, it is critically important that you find the best New Jersey auto insurance that will meet your specific needs and your budget without ever paying for any extra coverage than necessary.

A lot of people are surprised to learn that the policies that they are offered from companies are filled with extra layers of coverage that really aren’t all that necessary, though they are “bundled” into deals without customers being aware of the fact ahead of time.

You’ll want to be 100% certain that you are able to create your own package that offers the perfect blend of coverage and price, and you’ll need to be sure that you are still hitting your requirements.

Using the inside information that we’ve provided above you shouldn’t have anything to worry about when it comes time to make this kind of important purchase going forward!