New Jersey is a beautiful state with beautiful sceneries and beautiful towns. Living there it’s so calm and peaceful you don’t have to think twice about where you are. Because of the easy access to New York and overall living experience is exceptional compared to other states in the US? Due to these reasons is why it’s one of the more expensive space to live in. And as a consumer why experience in flux and expenses each month when you can cut them down? One thing’s for certain you can definitely cut down your current car insurance premium I will show you how. But before we do any of that let me explain to you everything you need to know about car insurance in New Jersey.
The drive in the state of New Jersey you legally have to have car insurance. It sounds like a broken record because in most states you need to have car insurance. So here are the details of the insurance coverages you need to have on your insurance policy.
New Jersey is known as a no-fault state. Essentially when you get into an accident your insurance company May cover for any medical expenses outside of who caused the crash. Also, keep in mind that you do have a right to sue in the state of New Jersey.
There are two ways that you can’t sue for damages if you or a family member is or were damaged in a car accident that did not happen because of you.
Keep in mind that these are additional options on to your policy, and if you were to go to a route where you’re able to have limited rights to sue the opposing party your insurance premium will go up quite a bit.
Just at the border of New York you can already tell that New Jersey is a busy City. Because of that the insurance significantly higher. Although it’s not as bad as you think it is it’s just sitting at about 18% more than the average, I thought you’d be looking at $1,700 each year.
Yes New Jersey is considered to be a no-fault state, meaning that in the accident no matter who’s at fault your insurance company will be paying for the damages respectfully. In short, your insurance company will cover you and their insurance company will cover them.