To protect your right to go to court you have to carry some form of New Jersey car insurance.

The level of insurance you purchase in New Jersey determines your right to sue.

New Jersey car insurance has a little something for everyone. They offer multiple levels of coverage so that all drivers can obtain some form of insurance coverage. From the coverage available on a standard New Jersey car insurance policy that most people buy to coverage on a SAIP policy for people on Medicaid.

Required Minimum NJ Car Insurance Coverage

The basic New Jersey car insurance coverage provides the very minimal insurance coverage that a driver can get away with carrying and still legally drive in that state. The plan was put together so that people could afford to buy the insurance required to drive. The coverage provided on the basic New Jersey car insurance policy is the required personal injury protection of $15,000 per person and $5,000 for liability property damages.

New Jersey Special Automobile Insurance Policy (SAIP)

New Jersey car insurance has a special policy for those that have low incomes that would normally have trouble purchasing insurance to be able to drive. This SAIP policy is only for those whose income qualifies them for Medicaid (with hospitalization coverage) and provides insurance to them at a discounted amount.

This special New Jersey car insurance coverage only covers medical related expenses resulting from an accident. It offers no protection to any damages that you may cause to the other person’s property or to your own.

No Right to Sue

One of the biggest arguments that people use for not having insurance is that they are safe drivers and don’t need it. They reason that if they get into an accident that it will be the other person’s fault and that they can sue them for damages.

New Jersey car insurance law has very effectively taken care of this excuse not to carry insurance. The law states that if you don’t have the required insurance coverage that you cannot sue the other party that may be at-fault for an accident you are in. To obtain this right back, you don’t need to carry comprehensive and collision coverage on your vehicle you just have to be carrying the minimum New Jersey car insurance that the state requirements.

Right To Sue

New Jersey car insurance offers two options in regards to having the right to sue the other party for pain and suffering after a car accident. If you purchase a standard New Jersey car insurance policy, one with higher limits than the basic New Jersey car insurance policy, you are given the option of choosing the cheaper “Limited Right to Sue” and the more expensive “Unlimited Right to Sue”.

Under the “Unlimited Right to Sue” you can take the other party to court for any injury that they may have caused you in an accident. Under the “Limited Right to Sue” option you can only take the other person to court for certain injuries that resulted from the accident that they caused.

These injuries include:

• Losing a body part

• Loss of an unborn baby

• Disfigurement or scaring that is significant

• Displaced Fracture

• Any injury considered permanent

• Death

(New Jersey Department of Banking and Insurance)

If you have any questions, please talk to your agent about the level of New Jersey car insurance that you need to adequately protect yourself.

The General Auto Insurance plays to the technology fans and tries to score a touchdown by advertising a very low insurance premium.

Summary

Commercial opens with a computer animated general in a football uniform (complete with 5 stars on his football helmet). He is throwing a football and at the bottom of the screen is the phone number and web address to contact The General Auto Insurance.

Announcer: The General scores again and again with super low monthly payments for auto insurance.

On screen we watch the General complete one football move after another. On the screen the “Monthly Payment As Low As $39” shows. The screen changes to a penguin in a Ref uniform with “No Personal Information Required” on the screen.

Announcer: Just go to thegeneral.com on your tablet, computer or Smartphone.

On screen we watch as the penguin and the General show examples of the different devices that you can use to contact The General Auto Insurance.

Announcer: Or call us for a fast free quote.

Screen changes to the view of an empty football stadium and field with the name, contact information, legal disclaimer for The General Auto Insurance. On screen is the “As Low As $39” once again.

Announcer: Right now you can get insured and stay insured for as little as 39 dollars a month. Find out how low your monthly payment can be and get instant proof of insurance.

The General kicks the football and makes a touchdown.

Screen changes to the General driving down the road in a sports car and more information for The General Auto Insurance is shown on screen again.

The General: For a great low rate you can get online go to The General and save some time.

Point of the Commercial

The commercial has two points that The General Auto Insurance is trying to get across. First, The General Auto Insurance is really playing up their online presence and how easy it is for someone to get a quote from them.

Second, The General Auto Insurance is playing to the low rates that they have. With the other insurance companies they point out that they can save you a certain percentage over the other companies. Rarely do you hear a company announcing what their rates start at.

What They Want you to Do

The General Auto Insurance is definitely an online type of insurance company. They are the only insurance company that I have ever seen mention using your Smartphone and tablet to contact them. Usually you only hear “visit us online” when an insurance company is encouraging online contact.

The General Auto Insurance does throw in their phone number a couple of time as well. This is more than likely for those that still do not use computers or the internet as they don’t want to leave out the potential insurance dollars of that demographic.

My Opinion

I am not a big fan of computer graphic cartoons that look like this. I guess you can blame it on the high standards that companies like Disney and DreamWorks has perched me at. I think the only thing that I do like about this insurance is that The General Auto Insurance does something new by encouraging you to contact them on your Smartphone or tablet. Unfortunately, this is not enough to redeem this particular commercial from The General Auto Insurance for me.

I would give this commercial from The General Auto Insurance a thumbs down.

Keeping a lookout for police cars won’t necessarily save you from a speeding ticket anymore, now that speed cameras are becoming popular.

A computerized camera catching speeders without a police officer in sight.

Speed cameras have been around for quite some time so their use in detecting speeders is nothing new. But, the newest and most technologically advanced generation of speed cameras are capable of being mounted in a fixed position to catch and photograph speeders. They do not need to be staffed with an officer and they work 24 hours a day.

They are also causing a lot of controversy.

What Are Speed Cameras?

Speed cameras are exactly what they sound like, cameras that take pictures of you speeding. When speed cameras detect that you are over the speed limit, they take a picture of you and your vehicle. The picture will include the face of the driver, and collects enough information on the vehicle to be able to identify it and the owner.

Once the ticket is processed it is mailed to the owner of the vehicle. If you were not the one driving and are not in the picture as the driver, it is still your responsibility to provide proof of your innocence. You can defend yourself by requesting a hearing and then challenging that you were not the driver that was in the speed camera’s photo.

How do Speed Cameras Detect Speeding?

The two most popular speed cameras that are in use by law enforcement today detect your speed from point A to point B. Some speed cameras require sensors at point A and point B to be placed in the road for the camera to be tripped as a speeding car goes by.

Other speed cameras use a mathematical approach. They use the calculated average speed by knowing how far apart point A and point B are and then calculating how long it takes you to move between the two points.

As you can see both types of speed cameras operate pretty much the same, one is just a little more technologically advanced than the other.

How Do Speed Camera’s Affect My Insurance?

Getting a speeding violation in the mail is no different than getting one directly from a police officer. You still have the option of just paying it or requesting a hearing. Just because it was given by a computer doesn’t change the process.

If the violation ends up on your driving record, you can be sure to see an increase in your insurance rates just like with any other speeding ticket. Of course, the increase very heavily depends on your insurance company and how many other violations you have on your driving record. Some insurance companies forgive the first violation so if this is your first you wouldn’t see an increase, if your insurance company does this.

Too many of these speeding tickets will send you to the land of high-risk insurance where there is little forgiveness.

The Speed Camera Controversy

Speed cameras are in much higher use in Europe than they are here in the United State at this time. The people in Europe hate them and they are getting the same sentiments here in the states. Even city and state governments can’t make up their mind to use them or not. Some states like Arizona started using them, then stopped and now have started using them again.

The controversy behind these cameras is that people complain that they are not accurate, they are a violation of our constitutional rights and also that it is all a big money making scam to get more tax payer money.

Whether or not these are legitimate arguments against speed cameras is not for us here to say.

Free insurance quotes keep the world of insurance competitive which is beneficial for us drivers.

Take advantage of free insurance quotes to save money on your insurnace premium.

“The best things in life are free.”

I am not sure if getting free insurance quotes are one of the best things in life, but it is pretty darn good. Yes, price quotes are usually free with everything. But, think about this – insurance quotes are one of the only things in the entire insurance industry that companies don’t charge for.

When was the last time your insurance company threw in a free 6 months of comprehensive coverage just for buying collision coverage? Or gave you free rental or towing coverage?

Free insurance quotes also save us money by giving us the freedom to shop from one insurance company to another to find the best deal. They are easy to get and can even be done without having to leave our own home. There is also no limit on the number of free insurance quotes that we can get until we finally find that incredible premium.

See, free insurance quotes really are one of the good things in life.

All Quotes Should be Free

While you are shopping around for insurance quotes if you run across a company that wants to charge you to get a quote, run the other way. There should never, ever, ever, be a charge to get an insurance quote. That’s like a store charging an entrance fee just to go in and shop around.

If you do find one that does not offer free insurance quotes, get all of their contact information and contact your state’s Department of Insurance or Insurance Commissioner.

Ways to Get Free Insurance Quotes

Free insurance quotes are everywhere. You can go through the insurance section of the local phone book and call all the agents you find. You can find local insurance agents by doing a search online. You can even skip the agent altogether and visit the websites of different insurance companies to get quotes directly from the companies.

The best way to get a quote though is by using an online quote aggregator. With an aggregator you fill in all of your information online just once and it comes back with free insurance quotes for multiple insurance companies for you to compare. If you find the premium that you like, you have just completed the whole quote process in one step.

If you are interested in trying out a quote aggregator you can start by clicking here.

Being Prepared for  Free Insurance Quotes

Getting free insurance quotes is a process that you have to prepare for. But, don’t worry it’s not like training for a marathon or anything. You just need to make sure to have all the information you need to get your free insurance quotes such as:

• Driver’s License

• Social Security Number

• Year, make, model and VIN of vehicles

• Declaration page of current insurance

The last one on this list is very important. Without having the declaration page of your current insurance in front of you, you will have nothing to compare the free insurance quotes with. The declarations page shows exactly what coverages you have and how much you are paying for each. If you don’t have this information you won’t know if your free insurance quotes are cheaper quotes for the same coverage or cheaper quotes for less coverage.

Elephant auto insurance is proud to announce lower rates, but only in one small area.

Summary

Commercial opens on the Elephant Auto Insurance logo and the sound of a trumpeting elephant before spokesman is shown onscreen.

Spokesman: Did you know Elephant has lowered their rates by over 30% in the past year all over southwest Virginia?

Map appears behind the spokesman of Virginia Elephant Auto Insurance coverage area with little elephant symbols popping up all over southwest Virginia as he speaks.

Spokesman: If you live in Roanoke, Lynchburg, Salem, Martinsville or the surrounding areas you could save a ton with Elephant. These great rates can’t last forever. Get a quote now at elephant.com and join the thousands of others who are already taking advantage of these amazing rate decreases and saving over 500 dollars per year.

Map disappears and Elephant Auto Insurance logo appears next to him with the phone number and the web address for the company below the logo.

Spokesman: Call or visit us online at elephant.com.

Point of the Commercial

This Elephant Auto Insurance commercial is pointblank for just southwest Virginia even though Elephant Auto Insurance writes in the whole state of Virginia, Illinois and Maryland also. So something has happened in southwest Virginia that Elephant Auto Insurance was able to decrease the premium for this particular coverage area that they write for.

This is not unheard of though, whenever new safety statistics come out for certain areas a change in rates is seen. If the new statistics show a decrease in claims or in activity that claims are filed for, rates go down. Likewise, if there is an increase in activity for claims then the rates go up. Elephant Auto Insurance must have received new stats and refigured their rates to be able to do this.

What They Want you to Do

For the residents of southwest Virginia that have gotten quotes from Elephant Auto Insurance before, they are indirectly letting them know that if they call for a quote now the premium may be lower. For the other residents in this area, they are throwing the bait out there to get their interest in calling Elephant Auto Insurance for a quote. The others are going to want to check if Elephant Auto Insurance is now cheaper than their car insurance with this new rate decrease.

My Opinion

I personally have never heard of Elephant AutoInsurance as I do not live in the area that they write insurance for. I do like the Elephant Auto Insurance logo and the memory tricks that they use in their otherwise boring commercial.

The elephant is something new and catches your attention if you have never seen it and it is a mascot to associate with this company (visual memory). The elephant trumpeting is not something you usually hear for a car insurance commercial (audio memory) and their telephone number (877-21-trunk) associates their mascot and their number together to make it easier to remember Elephant Auto Insurance.

Even though I think the Elephant Auto Insurance commercial is boring, it does its job to get you to both remember the company and attract the attention of the residents in this area. I have to give this particular Elephant Auto Insurance commercial a thumbs up.