New Jersey Auto Insurance

There are a few reasons why people in the state prefer to have auto insurance policies. These policies are not only serving to keep them away from the traffic penalties but offering them great support when there is a need for financial support once they are coming across certain kind of road accidents. Looking at the increasing rate of road accidents, New Jersey auto insurance is also becoming more essential for people in this state. Drivers in this state needs to have minimum liability coverage with their auto insurance policy. While looking for the New Jersey auto insurance, you will surely come across several choices. Before you opt for the buying the New Jersey auto insurance, you should know the details related with it.

Make your driving safe

Like most of the other states, New Jersey auto insurance is mandatory. The rules and regulations added for the auto insurance policy have been formed after thorough research in order to make citizen's life better and safe when they are driving their car on the highways and street of the state. There are two most common formats for New Jersey auto insurance that you can now avail. So, you should look for the cheaper and the basic policy that offer you adequate amount of coverage in order to meet the minimal requirements by the state. At the same time you can choose the expensive Standard New Jersey auto insurance policy which is drawing more acceptances among the drivers in this state. This sort of policy can offer you more coverage to meet the financial needs with a better approach. Both these policies are having options through which you can further increase the protection level for you, for your family and for your assets like cars.

New Jersey Auto Insurance

Divided into different categories

As far as the New Jersey state law is concerned, New Jersey auto insurance policies have been divided into several coverages. Such coverages are highly based on type of the claim that the insurance service provider will pay to you and to the other members involved in a particular accident. These coverages can be categorized into three major groups and these are:

1.     Coverage designed to pay other party in case you are at fault for the accident:

o    Bodily injury liability - This sort of coverage will cover you in case of claims made by other people who were injured during the accident. It can also cover you against the law suits enforced by the same injured people if you are at fault. This sort of coverage can be expressed with two amounts such as all the people injured in that accident and limit of paying to each of them. For an example, you are having the policy that can cover you up to $100,000 but the specified limit per person will be $20,000. Though the basic coverage is not included, then also you can avail it as an option. This sort of coverage can also be added for the standard policy that usually starts from $15,000 and $30,000 per accident and per person respectively.

o    Property damage liability - This sort of policy can cover you against the claims and the lawsuits enforced by people when their property will get damage due to an accident where you are at the fault. This sort of policy can be added for both the basic and standard New Jersey auto insurance policy. For this sort of policy the amount will be $5,000 and $10,000 for basic and standard policy respectively.

2.     The coverage that you need to pay when the accident has occurred due to other people's fault:

o    Uninsured motorist coverage - This sort of policy can cover you to pay for both the bodily injury as well as damages related to property. If you have been the victim of an accident that was caused due to an uninsured driver, then this sort of coverage can help you a lot.

o    Underinsured motorist coverage - This sort of policy can cover you in case of bodily injury as well as property damages. If you have been suffered due to any of the above mentioned reasons during an accident that has been caused due to an insured driver, then underinsured motorist coverage can offer you sheer help. This sort of coverage can work effectively when the faulty driver is insured but having less coverage than you. This sort of coverage is not a valid one for the Basic New Jersey auto insurance policy but you can surely have it as an option with the standard policy.

3.     Coverage that can pay you and other people despite of the fact who is at fault during an accident:

o    PIP or personal injury protection - This sort of coverage is also known as the no fault coverage which has been designed for the injuries that are common after an accident with you and with the other people involved in it. As per the regulations of this sort of coverage you and other party will be paid no matter who is at fault. It will also cover the medical expenses that will be applied for curing the injuries. It can also cover the lost wages. It's the basic policy that can cover minimum $15,000 per accident and $250,000 in case of permanent injury. It's the standard coverage that can go up to $250,000 per accident and $250,000 for permanent injuries.

o    Collision coverage - This sort of coverage can pay for the vehicle related damages once involved in the accident with another vehicle or object on the road. You can avail it as an option while taking standard coverage. It has not been included with the basic policy. However, some insurers are now offering it as an option.

o    Comprehensive coverage - This sort of coverage can pay you for the vehicle that has not been damaged due to collision like fire, theft and vandalism. It can be availed as an option with the standard and basic policy.

DUI/DWI laws in New Jersey

DUI and DWI laws in this state are strict. It may appear as a strict regulations but offering people so many good reasons to make their driving safe as well as enjoyable. All you need to know these DUI laws so that you can make driving perfect and at the same time you can keep the driving record clean.

As per the law, a defendant will be convicted if the state has managed to prove things beyond a reasonable reason that he has:

• Operated the vehicle with a BAC level of 0.8% or more than that. This can even get proved through the breathalyzer test and blood reading.
• Operated the vehicle under the influence of drugs and alcohol and having a negligible performance in balance testing or slurred speech.

As far as the penalties are concerned, you may come across $250 to $400 and your license will be suspended for 3 months.