Snow Falling on Newark Car Insurance

Decent Newark car insurance will protect you from hitting one of these.

With winter here it’s time to refresh your memory of Newark snow laws and making sure your Newark car insurance is snow ready.

Snow is a four letter word for many of us because of all the trouble that it brings when it comes around each year. The biggest concern with snow is that it makes driving more difficult because of the lack of traction that we need to control our vehicles and it creates additional obstacles in the road that we have to try to get through or get around. Both of these snow caused difficulties ends up leading to more car accidents this time of year.

And when there is a good snow in Newark, laws that lay quietly dormant for the rest of the year are activated; making things even harder for drivers while the city tries to clean up the white stuff.

Snow Laws in Newark

The lion’s share of the snow laws in Newark have to do with parking. Whenever it snows and sticks on the road, drivers are prohibited from parking on a large number of streets until the streets can be plowed. The list of these streets is much too long to share here, but the City of Newark’s website has the list available if you were curious.

If a snow emergency is declared, then one side or the other of the streets cannot be parked on every other day:

” Upon the declaration of a snow emergency, there shall be no parking upon streets or portions of streets where posted snow emergency signs are displayed on the days and sides of streets indicated. On Mondays, Wednesdays and Fridays, on the south and east side and Tuesdays, Thursdays and Saturdays on the north and west sides on any of the streets listed: (Ord. 6 S+FG, 12-18-96 § 1)”

If you park where you shouldn’t be parked when it snows, don’t expect your vehicle to still be there when you come back.

Have Enough Newark Car Insurance?

In addition to the lack of parking in Newark causing problems when the snow falls, a greater concern for drivers should be the increase in car accidents. New Jersey only requires that its drivers have PIP and property damage liability coverage to drive, but if you are in a car accident during the winter this is not enough.

First, if you cause an accident and the other person’s medical bills exceed their own PIP coverage you have to pay for it. And if you just have the required Newark car insurance you will have to pay these expenses out of your own pocket, because there is nothing on your policy that pays for another person’s medical expenses.

Also, you will have no insurance coverage to pay for the damages to your own vehicle if you only have the required Newark car insurance. This means that whatever small amount of money you saved by purchasing just the required car insurance will most likely be lost after you have had just one car accident.

So before the snow leads you into an accident this winter, talk to your Newark car insurance agent about the minimum coverage that will fully protect you and not cost you and arm and a leg.