Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati....

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 14, 2012

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Every state has a law regarding auto insurance. Some require all drivers to have a certain level of insurance, while others only require proof of financial responsibility. It is important that you know the laws in the state you are living in as well as the states where you drive.  Every time that you renew your insurance coverage, make sure that there have been no changes in the laws in your state so that you are covered legally. But legal requirements may not always be enough. It might be important to also get full coverage auto insurance details in New Jersey.

Coverage Levels in New Jersey

New Jersey has long been criticized as one of the most expensive states in the US for insurance coverage, but the level of coverage required by law is actually one of the lowest. Here is some of the full coverage auto insurance details in New Jersey that you will need to know:

  • New Jersey requires a 15/30/5 policy. That means that the insurance will provide $15,000 worth of medical coverage per person with a $30,000 cap per accident. The final $5,000 on this policy covers liability, which is meant to cover the cost of damage to other people’s property.
  • The state also requires that all drivers carry Uninsured Motorist Coverage. This type of policy will protect you if you have an accident involving a driver who does not have insurance or has inadequate insurance.

Why Legal Minimum Insurance May Not Be Enough

While you are legally able to choose the minimum coverage and be set, it might not be enough in the event of an accident, especially one that involves an injury or worse, a fatality. If you have never looked at the cost of health care related to an auto accident, it might pay to do so. Afterward, you might be interested in checking out the full coverage auto details in New Jersey so that you are more fully protected.

  • Even a minor accident can cost more than a few thousand dollars in property costs alone. The more damage that is done, the more the costs will be driven up.
  • Injuries incurred in an accident may have some long term repercussions as well. Having state minimum insurance will not protect you from potential lawsuits. An injury will have additional costs that extend beyond the original hospital bills as well, including rehab and time off from work.

Comprehensive and Collision

In addition to getting full coverage insurance details in New Jersey, you will want to consider adding additional coverage including collision, which covers the damages incurred during an accident, and comprehensive insurance, which covers everything else. Some insurance policies also have specific lists of exclusions, things that the policy will not cover, which might include things such as flood or other natural disasters. If you live in a flood prone area, this may be the case.