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Understanding New Jersey Car Insurance Policy


Two popular types of policy, the Standard Policy and the Basic Policy, are offered in the State of New Jersey. Motorists are free to choose which between the two they consider fit for their needs. Nevertheless, it still helps to provide an overview on the basic difference between these two policies.


The Basic Policy

This New Jersey Car Insurance policy is highly recommended to individual with lesser obligations and lesser assets to protect. It is perfect for young driver or those who find it difficult to afford a more comprehensive car insurance policy. It provides $10,000 coverage assistance for persons hurt in an injury per accident and a $15,000 personal injury protection per accident. Moreover, it will also provide a $5,000 per accident property damage liability. This coverage is sufficient for the state not to suspend your license in any manner; however, the motorist has to face the responsibility for any financial equivalent ordered by the court brought by the pain, suffering, and personal hardships the other party may sue due to your irresponsibility and negligence in an accident.


The Standard Policy

This provides more assistance and security to motorists. It may cost higher but it will give you more benefits in the future. Given the option to pay, you may go better with insurance providers in New Jersey offering cheap car insurance with Standard Policy. This gives you a choice of bodily injury liability of $15,000 to $250,000 per person or as much as $500,000 per accident; a property damage liability of as low as $5,000 or a maximum of $100,000 for one or more accident; personal injury protection of $15,000 to as much as $250,000 for certain types of injuries; uninsured/underinsured motorist coverage, collision coverage and comprehensive coverage.


Choose which option best fits your needs and preferences. Stay protected while driving and adhere to the state rules on New Jersey Car Insurance.















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