What Is The Right Amount Of Car Insurance For NJ Drivers
It’s difficult to estimate the actual amount of car insurance you may need. While you may assume that having the state minimum car insurance policy is enough, in New Jersey it is not! If you simply have a policy that meets the requirement of the state, you are left without coverage for repairs and replacement of your vehicle. Not having the money to get your car road worthy again can put you in a very tight spot. So, what is the right amount of car insurance for NJ drivers?
There is unfortunately no clear cut answer on how much coverage you need. That will depend on a long list of factors that vary from person to person and vehicle to vehicle. However, there are different types of coverage you absolutely should have above the state minimum coverage. You will need to make sure that you are covered for damage to your vehicle, and you are not just covered for damage to other vehicles. You will also want to make sure that your medical expenses will be covered as well as any liability for others involved in the accident.
At Bogle Insurance we offers several additions to the NJ State minimum coverage that are likely to meet your needs as a NJ driver. Your coverage needs may vary based on your situation and driving history.
- Bodily Injury Liability
- Medical Payments Coverage
- Property Damage Liability
- Comprehensive and Collision Coverage
- Uninsured Motorist Coverage
You do not want to find yourself short on coverage after an auto accident. But, you also don’t want to pay more than you need for coverage you won’t use. It’s nearly impossible to know the amount you will need. That is why talking to trusted and dedicated professionals like the agents at Bogle Insurance Agency will make it easy for you to choose the right amount of car insurance in New Jersey.
With these additions to your policy you will be sure you have enough coverage to meet your needs. It is then a matter of adjusting the amount of coverage in each area.