Auto Insurance in New Jersey
Almost every state requires you to have auto insurance to legally drive. Auto insurance is insurance for trucks, cars, and other road vehicles. Whether you use your car or not, it's always wise to have auto insurance as you can be tempted to go for an impulse drive. Besides, there is the risk of damage or theft. At Dirus & Sons in Neptune, NJ, we offer auto insurance to those all around the state. A basic auto insurance has the following coverages.
Property and Bodily Injury Coverage
Protects you when you are involved in an accident. It pays for the cost of replacing or repairing property you damage while driving your car. It also pays for medical bills, lost income and pain and suffering if you cause bodily injury to someone.
Personal Injury Coverage
If you are involved in an accident and sustain injuries, it offers coverage for income loss as well as certain specified medical expenses. It protects both the passenger and drive regardless of who is at fault.
It pays the cost of replacing or repairing your car if it is damaged by events that don't involve a collision. It also compensates you if your car is stolen.
If you are involved in a collision accident with another car, lamp post, guardrail or any other fixed object or structure, it pays for the resulting damage.
Underinsured and Uninsured Motorist Coverage
Despite insurance for motorist being a requirement, some lack auto insurance. If you are involved in an accident with a driver without an insurance cover, uninsured motorist coverage will protect you.
Underinsured motorist coverage will protect you if the driver responsible for causing the accident doesn't have adequate insurance.
At Dirus & Sons of New Jersey, we customize your policy depending on.
- Your desired level of coverage protection
- Your vehicles age and condition
- Requirements of the lender
You can get an online quote to get your auto insurance or you can call or visit our offices in Neptune, NJ.