The value of good car insurance often doesn't become apparent until you
really need it. Whether it's a minor fender bender or a more substantial
accident, it pays to have insurance coverage you can count on.
Let one of our experienced car insurance specialists explain the different Liability
limits, Comprehensive, Collision, Personal Injury Protection, Medical coverages,
and deductibles that are available for you to choose from. We offer affordable
truck and car insurance policies from a leader in the insurance industry.
We offer affordable truck and car insurance policy premiums in the following New Jersey counties and
cities: Union County, Essex County, Bergen County, Passaic County, Sussex County, Morris
County, Warren County, Hunterdon County, Somerset County, Middlesex County, Monmouth
County, Mercer County, Burlington County, Clark, Newark, Jersey City, Elizabeth, Rahway,
Colonia, Iselin, Avenel, Woodbridge, Port Reading, Carteret, Perth Amboy, Fords, South Amboy,
Metuchen, Plainfield, Dunellen, South Plainfield, Green Brook, Fanwood, North Plainfield, Cranford,
Scotch Plains, Westfield, Union, Millburn, Springfield, Mountainside, Gillette, Warren, Watchung,
Stirling, Millington, Middlesex, Martinsville, Piscataway, Edison, New Brunswick, Highland Park,
North Brunswick, Sayreville, East Brunswick, Somerset, Milltown, South River, Bound Brook,
Somerville, Bridgewater, Bayonne, Linden, Roselle, Hoboken, Union City, Weehawken, West New
York, Guttenberg, Cliffside Park, Edgewater, North Bergen, Secaucus, Fairview, Ridgefield, Fort Lee,
Leonia, Palisades Park, Englewood Cliffs, Englewood, Bergenfield, Teaneck, Paramus, Bogota,
Ridgefield Park, Little Ferry, Hackensack, Maywood, Teterboro, South Hackensack, Rochelle Park,
Moonache, Lodi, Hasbrouck Heights, Saddle Brook, Garfield, Elmwood Park, Woodridge, Carlstadt,
East Rutherford, Lyndhurst, Rutherford, Wallington, Passaic, Clifton, Paterson, Totowa, West
Paterson, Little Falls, Great Notch, North Caldwell, Cedar Grove, Verona, Montclair, Bloomfield,
West Orange, Glen Ridge, Belleville, Nutley, Kingsland, North Arlington, Kearney, Harrison, East
Orange, East Newark, Orange, Irvington, South Orange, Hillside, Townley, Livingston, Wayne,
Trenton, Camden, Atlantic City, Princeton, Vineland, Willingboro, and Toms River, NJ.
"Your Local New Jersey Car Insurance Policy Agent Specialist!"
New Jersey does require "no-fault" car insurance policy coverage. This
coverage pays medical bills for injuries suffered in an car accident regardless
of who caused the accident. New Jersey also requires PIP or personal injury
protection within an car insurance policy.
Click on the link below to fill out a quote request form
for a New Jersey Car Insurance policy that will provide
excellent car insurance coverage at an affordable cost.
Or discuss the features with our Auto Insurance Agent
Specialist by calling 732-680-4444.
Covers damage caused to the owners car from a collision
caused by another car or other object. The deductible is
the amount you choose to pay upfront (if any) before the
car insurance policy pays. The higher the deductible
chosen the lower the collision coverage cost of the car
insurance policy.
Car Insurance
Request a Quote Here!
"Your New Jersey
Car Insurance Agent"
"Offering Professional
Insurance Services Since 1976"
Answer a few general
questions and we will provide
you with a no obligation quote
by phone or email. Choose
the New Jersey Personal or
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you're interested in from one
of the menus above.
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New Jersey Car Insurance Policy Information
Learn more about New Jersey car insurance
coverage options below!
New Jersey Car Insurance Policy FAQ
Covers damage caused to the insured's car (your car) from risks such as
theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil
unrest. The deductible is the amount you choose to pay upfront (if any)
before the car insurance policy pays. The higher the deductible chosen the
lower the comprehensive coverage cost of the car insurance policy.
New Jersey Car Insurance Policy FAQ
Copyright 2004-2008 American Insurance Services Agency - All rights reserved
Injuries that you (insured) cause to someone else is covered under this part
of an car insurance policy. New Jersey has minimum liability auto insurance
coverage requirements. The minimums are listed below. However, we
recommend that you choose liability insurance coverage amounts that are
much higher than the minimums required by New Jersey law.
15/30/5 15=$15,000 - 30=$30,000 - 5=$5,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Damage caused by the insured (you) to someone else's property, such as a car,
fence, or house, is covered through property damage car insurance coverage.
This coverage also assists in protecting you if a lawsuit arises from an accident.
Bodily Injury Liability
Property Damage Liability
Minimum New Jersey liability limits:
New Jersey Car Insurance Policy FAQ
New Jersey Car Insurance Policy FAQ
New Jersey Car Insurance Policy FAQ
New Jersey Car Insurance Policy FAQ
Covers you for the treatment of injuries to the passengers of your car.
Benefits Provided:
80% of medical benefits for all reasonable expenses for necessary medical,
surgical, x-ray, dental and rehabilitative services, including prosthetic devices,
wheelchairs, crutches, slings, neck braces and splints (including necessary
travel related to medical care.)
80% of necessary remedial treatment (nursing home care or home nursing care).

60% of disability benefits for any loss of gross income and loss of earning
capacity from inability to work because of an injury suffered in an accident.
New Jersey Car Insurance Policy FAQ
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an
at-fault driver who has no car liability insurance. This is required in New Jersey.
Example of uninsured motorist limits:
100/300 100=$100,000 - 300=$300,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.

This coverage comes into play when an at-fault driver has car liability insurance,
but the limit of insurance is inadequate to pay for your damages.

Underinsured Motorist Bodily Injury Coverage

This type of car insurance coverage pays for your medical expenses, lost wages,
and other damages when you or your passengers are injured in an accident
caused by a driver who has insufficient car insurance coverage. The car
insurance coverage typically pays the difference between the coverage limit you
select and the other driver's bodily injury coverage limit. This is not a required
coverage in New Jersey.
Underinsured Motorist Property Damage Coverage

Protects you if your car is damaged in an accident caused by a driver who
has insufficient car insurance coverage. This coverage pays the difference
between the coverage limit you select and the other driver's property
damage coverage limit. This is not a required coverage in New Jersey.
Is Your New Jersey
Home Owner Insurance
Policy Up To Date?
American Insurance
Services Agency
1129 Raritan Road
Clark, New Jersey 07066
(732) 680-4444
Fax: (732) 680-4067