Basic Jersey City Car Insurance Falls Short
Don’t let only having the “basic” Jersey City car insurance coverage leave you in a rocky position after a car accident.
Don’t trust that Jersey City car insurance requirements have your best interest in mind.
One has to wonder what state lawmakers are thinking when they require drivers to carry car insurance to protect other drivers, but then make the coverage requirements so low that it doesn’t really protect anything. Regardless of why they do it though, you as a driver have to make sure that you have at least the minimum of what they require for insurance coverage.
But to make sure that you have enough coverage in the event an accident does happen, you always have the option of voluntarily purchasing additional coverage above what the lawmakers require you to have.
What is the Minimum Jersey City Car Insurance?
The minimum Jersey City car insurance that you are allowed to have, according to the State of New Jersey, is the “basic” policy. This policy only provides the following coverages:
- $5,000 in property damage liability coverage
- $15,000 in personal injury protection coverage
Why The Minimum Jersey City Car Insurance is Too Low
As you can see from the coverage above, these required coverages don’t even come close to what you really need to have to be protected when driving. These coverages only make it so you are driving with some sort of coverage and meet legal requirements for having insurance.
If you have a basic policy and were to ever cause a car accident you would find out the following:
- Any injuries to the other person that exceeds or is not covered under their PIP would have to be paid for out of your pocket.
- Any damages to the other person’s vehicle that exceeds the $5000 in liability coverage you have on your “basic” policy would have to be paid for out of your pocket.
- Any damages to your vehicle would have to be paid for out of your pocket.
Your best bet would be to carry more than what the minimum required Jersey City car insurance coverage is, so that you don’t end up in financial trouble. Besides any little bit of money that you save from going with what’s minimally required for Jersey City car insurance is usually quickly kissed goodbye (plus more) in one car accident.
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