In the State of New Jersey, an auto policy, which may include liability, under-insured coverage, uninsured coverage and PIP, will apply to any situation where an automobile is involved. This applies whether you, as the insured, are in the vehicle or not. As such, if an automobile is involved in the accident and you are […]

One of the most critical insurance coverages to have in New Jersey is known as Personal Injury Protection (aka “PIP”). PIP, more commonly known as No-Fault insurance is the medical expense portion of the auto policy which covers personal injuries suffered as a result of automobile accidents. The most common coverage that people tend to […]

An Umbrella Policy (also known as an Excess Policy) is another type of insurance coverage which you can purchase separately in addition to regular car insurance policy. The umbrella policy supplements your regular insurance policy by providing additional coverage for existing liability, uninsured or under-insured policy. The policy will be used if your regular insurance […]

There are multiple types of insurance coverage. Based upon the type of insurance you obtain, the insurance policy will cover liability up to a certain amount. For example, you may buy a policy which offers $15,000 in coverage or even as high as $500,000 in coverage. Generally, for commercial liability, you may obtain a policy […]

The State of New Jersey requires that every person who drives a vehicle on a road must have car insurance. There are no exceptions to this rule. If you are caught driving without car insurance, you may be subject up to a mandatory one-year suspension of your driver’s license. In some instances, these situations may […]