Auto insurance is vital to have, and in the state of New Jersey, you are required to at least have liability auto insurance. This type of policy will cover others who are injured in an accident that is deemed to be your fault. It will also cover any property damage you cover up to a certain amount depending on the details of your policy. While liability insurance is required, there are many other options available that you may be interested in obtaining.
Uninsured or Underinsured Motorist Coverage
This type of insurance will pay for any injuries you or your passengers sustain and damages to your vehicle if you are involved in an accident if with a motorist who does not have any insurance coverage at all or a lesser amount of insurance than needed to cover your injuries and property damage.
Collision Insurance
This type of auto insurance will cover damages to your vehicle and any others involved in an accident deemed to be your fault. It will also cover an object that you strike and damage with your vehicle. For example, if you hit a building, this part of your policy will cover damages to your vehicle and the building.
Comprehensive Coverage
Comprehensive coverage will pay for any damage to your auto if it is damaged or destroyed by a fire, theft, vandalism, or a natural disaster, such as a tornado or hail storm.
To determine the best auto insurance coverage for you and your situation, enlist the assistance of an experienced auto insurance agent like the ones at Dirus & Sons in Neptune, NJ. We have the experience and knowledge to create the best policy for you, so call for an appointment today!
