When you get auto insurance in New Jersey, it works differently than in other states. There are two policy types that auto owners can choose from- the standard policy and the basic policy. The basic policy has very basic coverage in small amounts, and those amounts can’t be increased with this policy type. The standard policy has similar minimum amounts as the basic policy, but the amounts can be increased if desired. Because these amounts are so small, it’s generally recommended to get a standard policy and to increase the amounts of coverage above the minimum amount for better protection.
When you need auto insurance in New Jersey, call us today at TAS Insurance Agency in Phillipsburg, NJ.
Liability Coverage in New Jersey
When it comes to bodily injury liability, it’s always best to have a good amount of it to stay well-protected. The basic policy doesn’t include this coverage, but it is available in a small amount if requested. The standard policy has amounts of this coverage that include one amount for one person who has been injured in an accident and a higher amount that is available for all of the people who are injured. This type of coverage pays for the medical bills for the other party when required. For property damage liability, the coverage pays for damage to the property of the other person in the accident. There is a small amount of it included in the basic policy, and this same amount is included in the standard policy, though it can be increased.
Other Coverage Types
Personal injury protection is coverage that pays for your own medical bills after an accident. There is a set amount of this available in the basic policy, and this same amount is the minimum included in the standard policy. Coverage for uninsured or underinsured motorists is not available with basic policies, but it can be added to standard policies if you want it.
Get Your New Jersey Auto Insurance
When you have a vehicle in the state, you need coverage. Just call us at TAS Insurance Agency in Phillipsburg, NJ.
When you get a car, whether it is new or an older model, you should do everything that you can to ensure that it lasts as long as possible. To do this, you need to maintain your car. TAS Insurance Agency in Phillipsburg, NJ offers the following suggestions to keep your car running for a long time.
Tips to Maintain Your Car So It Lasts
Keep an eye on your tire pressure. Tires that are properly inflated will keep you safe and save you some money. Ones that are too full or not full enough aren’t as smooth. They are also more likely to blow-out, which could cause an accident.
You also need to rotate your tires every five to ten thousand miles. This will ensure that your tires last as long as possible. Since your tires wear differently from side to side and back to front, this will help you keep them wearing naturally so that they last longer. It will also keep your ride smoother.
Check your oil level regularly. Your car needs motor oil to be able to lubricate all the moving parts in your engine. Otherwise, your engine could lock up and there will be no fixing it.
You also need to change the oil regularly. It is recommended that you change the oil in your car every three to five thousand miles.
If you want your car to last as long as possible, you need to keep an eye on your tires. You are going to want to keep the tire pressure right, so it drives as smoothly as possible. You also need to change the oil regularly.
If you want to make sure that you have enough insurance for your needs, don’t hesitate to contact us today at TAS Insurance Agency in Phillipsburg, NJ.
Like all states, New Jersey has its own laws about the types of auto insurance that drivers in the state are required to have. If you need auto insurance, give us a call now at TAS Insurance Agency in Phillipsburg, NJ.
Basic and Standard Policies
In New Jersey, you can get either a basic policy or a standard policy. The basic policy is the cheapest, but it doesn’t offer much coverage to drivers. The standard policy includes more types of coverage as well as higher amounts of coverage. New Jersey is also a no-fault accident state. This means that every driver has to insure themselves for personal injury instead of relying on the at-fault party to pay for the injuries. Before deciding on a basic or standard policy, it’s important to learn the current amounts that each type includes.
Bodily Injury Liability
With a basic policy, there is no coverage included for bodily injury, but it is an option that can be added to the policy. With a standard policy, there is a specific minimum amount required for one person injured in an accident and another amount required for everyone who was injured. A standard policy also allows for higher amounts to be chosen than the required minimum.
Property Damage Liability
With a basic policy, there is a small amount of liability coverage for each accident. With a standard policy, there is a required minimum amount as well as the option to add a significant amount of coverage to that amount. It’s smart to get a higher amount of this coverage so that you aren’t left paying any overage after your policy has paid its set amount.
Personal Injury Protection
With a basic policy, there is a set amount of coverage for each person injured in the accident. Those injured have to be covered by your policy to be eligible. With a standard policy, there is a set minimum amount for each person in an accident, but there is the option to raise this amount significantly.
To find out more, call us at TAS Insurance Agency in Phillipsburg, NJ.
People that live all over the Phillipsburg, NJ area benefit a lot from owning a car. With a car, you are going to have a much easier time getting around the city and completing all of your needed tasks. If you have a car, you need to make sure that you insure it the right way. There are a lot of reasons people here will need an auto insurance plan.
Insurance is Needed to Protect Car
The key reason that people should have auto insurance is so they can protect their car. If you invest in a vehicle when you are in this area of New Jersey, you will want it to last as long as you can. With a proper insurance plan, you will have the coverage needed to repair or replace it following an incident of theft, vandalism, or if you are in an accident.
Insurance is a Legal Obligation
A car owner in this state will also need to have an auto insurance policy as it can be a legal obligation. In New Jersey, anyone that operates a car on a public road will be required to carry liability protection. This coverage is important as it ensures that you will have the financial capacity to pay for costs associated with an accident that you cause. If you do not have this protection, you could be penalized.
When you want a new insurance plan in the Phillipsburg, NJ area, you should reach out to the TAS Insurance Agency. Those that are with the TAS Insurance Agency know the value that comes with insurance protection. They can give you the support needed to help you evaluate your options and needs. This will help you choose a plan that provides ideal insurance protection.