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New Jersey Lawyers & Attorneys Directory

New Jersey auto insurance coverage

Coverage

Basic Policy

Standard Policy

Bodily Injury Liability   (Coverage for claims by people injured as a result of an accident you cause)

Coverage is not included but $10,000 coverage for all persons, per accident is available as an option

Coverage of $15,000 per person, per accident and $30,000 for all persons, per accident, is provided but higher limits are available

Property Damage Liability    (Coverage for claims by people whose property is damaged as a result of an accident you cause)

Coverage of $5,000 per accident is provided.

Coverage of $5,000 per accident is provided but higher limits are available.

Personal Injury Protection   (Coverage for injuries sustained in an automobile accident by you or other persons covered under your policy

Coverage of $15,000 per person per accident and up to $250,000 for permanent or significant injury as defined in the policy.

Coverage of $250,000 per person per accident unless a lower limit is selected. However, up to $250,000 for permanent or significant injury as defined in the policy regardless of selected limit.

Uninsured/Underinsured Motorist Coverage  (Coverage protects you if you are in an accident with someone who does not have the minimum coverage required by law or is insured with limits less than your uninsured motorist limits)

None

Coverage is available in amounts similar to liability coverage

Collision   (Coverage for damage to your automobile from striking another vehicle or fixed object)

None *

Available as an option

Comprehensive (Coverage for damage to your automobile caused by other than a collision)

None *

Available as an option


* Collision and comprehensive coverage are available as an option on policies issued through PAIP or on voluntary policies issued by some insurance companies. This is very important for anyone who has a vehicle loan or lease that requires physical damage coverage.

Over 2.7 million people suffered injuries as a result of highway vehicle crashes on U.S. Highways in 2004 alone.

 

You can search for New Jersey auto attorneys at http://attorneypages.com/574NJ/index.htm.

 

New Jersey Lawyers & Attorneys Directory

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