Your state requires minimum auto insurance, but is it enough?
In the United States, all 50 states set minimum auto insurance requirements for drivers. Although these minimum limits satisfy the law, they couldn’t possibly have enough coverage to satisfy you in an accident. Most people go for the minimal amount of coverage because the law
doesn’t require much else, however, every insurance agent will tell you that the minimum limit is not enough.
Auto Insurance That Ever New Jersey Driver Needs
In New Jersey, there are three types of insurance that every driver should buy.
- The first is liability insurance, which will cover damages that you might have caused in an accident.
- The second is personal injury protection, which will cover medical expenses in an accident whether it was your fault or not.
- Finally, the law requires uninsured motorist coverage so that in the event of an accident, you can still be protected even if the other person doesn’t have adequate coverage.
These requirements are a great start, but they are only scraping the surface because they can only protect you to a limited extent. If you only get the minimum amount of insurance you need to satisfy the law, your policy will barely make a dent in an accident.
If you get a New Jersey Auto Insurance Quote and you opt for the cheapest and smallest amount of coverage, you are exempting yourself from good coverage. Auto insurance offers special coverage that goes beyond the minimal requirements that will pay off in the long run.
- One great type of coverage is roadside assistance coverage, which will pay for the necessary repairs or towing services that you may need when out on the road.
- Another great policy to have is gap coverage, which can benefit you if you lease your car or have a loan.
If you have the minimal amount of auto insurance, you won’t be able to take advantage of these policies that can really help you when you need it. Getting by with minimal amount of coverage may seem easy now, but it will make your life harder in the long run. If you get into an accident and you don’t have the right insurance to cover it, you could be forced to pay out of your own pocket.
If you get a New Jersey Auto Insurance Quote or speak with an insurance agent, you will find that adequate coverage isn’t that hard to come by. With auto insurance, you essentially get what you pay for. If you buy minimal coverage, you are going to get minimal coverage.
Having the basic requirements just simply aren’t enough, so it is important to make sure you can get as much coverage as you need. To learn more about the benefits of extensive auto insurance contact your local agent.
