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Auto Insurance

In the state of New Jersey, there are minimum amounts of car insurance that you must carry on your vehicle. You must have property damage, personal injury and insurance for very serious injuries. You may purchase a basic insurance policy or a standard insurance policy.

What is in the State Minimum Basic Car Insurance Policy?

The New Jersey minimum basic car insurance is the very smallest policy you can get to drive on the state roadways. It includes property damages liability of $5,000, personal injury coverage of $15,000 and $25,000 for very serious injuries. This basic policy only covers payments to another driver in the case of an accident and doesn't cover your injuries or expenses to repair your car, truck or SUV.

What is the Standard Car Insurance Policy?

The standard car insurance policy from Kindle Insurance Agency covers $5,000 for property damages and $15,000 per person for bodily injury and $30,000 per accident in bodily injury protection. It also has $15,000 of personal injury protection, or medical payments, which pays for you and your passenger's medical bills in the event of an accident. It also includes $250,000 for serious injuries resulting from an accident.

What are the Additional Types of Car Insurance?

Additional types of car insurance give you great benefits in the case of an accident. You can add underinsured and uninsured motorist to pay for your own injuries and losses in the case of an accident and the other driver is at fault with not enough or no insurance to pay for your losses. Collision insurance pays for your vehicle to be repaired or replaced. Comprehensive coverage pays for repairs or to replace your vehicle in the event of damages that are not collision related, such as hail damage, theft or vandalism.

At Kindle Insurance Agency, we understand that you want to have enough coverage for your vehicle so you are covered for any losses due to an auto accident. We can help you with your car insurance needs. You can visit our online rating tool to get information on your insurance needs and then call us or come by the office to speak with a knowledgeable agent.