Whether you’re a new resident of New Jersey or a long-time resident searching for the best car insurance rate, look no further than GEICO. With numerous money-saving opportunities and valuable information tailored specifically for New Jersey drivers like yourself, GEICO is here to help.
Auto Insurance Coverage in New Jersey
As you consider the auto insurance coverage that suits you best, take a look at these facts. You can conveniently start your New Jersey car insurance quote online.
Standard vs. Basic Car Insurance Policies in NJ
In New Jersey, there are two common types of auto insurance policies: standard and basic. The standard policy, which is the most popular, provides several coverage options and the ability to purchase additional protection. On the other hand, the basic policy is cheaper but offers limited benefits.
As a New Jersey driver, it is essential to carry an insurance ID card for each vehicle covered by your policy. You must be prepared to show this card in various situations, such as scheduling a NJ vehicle inspection, being involved in an accident, or being stopped by a police officer.
Required Auto Coverage in New Jersey
According to the New Jersey Motor Vehicle Commission, all vehicles in NJ must have three types of coverage:
- Bodily Injury Liability Coverage: The minimum coverage level is $25,000 per person and $50,000 per accident.
- Property Damage Liability Coverage: The minimum coverage level is $25,000 per accident.
- Personal Injury Protection (PIP): The minimum coverage level is $15,000.
- Uninsured/Underinsured Motorist Bodily Injury Coverage: The minimum coverage level is $25,000 per person and $50,000 per accident.
- Uninsured/Underinsured Motorist Property Damage Coverage: The minimum coverage level is $25,000 per accident with a $500 deductible.
To learn more about New Jersey’s auto insurance requirements, visit the New Jersey Motor Vehicle Commission website.
Full Tort vs. Limited Tort for NJ Auto Insurance Policies
In New Jersey, drivers have the option to carry either Full Tort or Limited Tort. Opting for Full Tort allows you to retain the right to sue the negligent party for pain and suffering resulting from an accident, regardless of the severity of your injury. On the other hand, Limited Tort is a more affordable option that limits your ability to sue for pain and suffering unless you sustain a catastrophic injury.
If you are unsure which option suits you best, you can always speak with a GEICO insurance specialist. You can even visit one of our local New Jersey offices to speak with someone in person.
Important Information About Personal Injury Protection (PIP) Claims in New Jersey
For information about car insurance claim requirements in the State of New Jersey, as well as documents related to New Jersey’s Decision Point Review Plan and Pre-Certification Plan, you can review the resources provided on the New Jersey Motor Vehicle Commission website.
New Jersey Teen Driver Laws
In New Jersey, teens can apply for a student learner’s permit at the age of 16. Once they obtain their permit, they must drive supervised for at least six months. During this time, they are prohibited from driving between 11:01 PM and 5:00 AM unless accompanied by a supervising adult driver who is at least 21 years old, holds a valid NJ driver’s license, and has a minimum of three years of driving experience. Parents or guardians are allowed as passengers, but not siblings.
At the age of 17, teen drivers may obtain a probationary license, which permits unsupervised driving. However, the rules of the student learner’s permit still apply. Once the driver turns 18, they are eligible for a full driver’s license. Remember to notify us when any dependent or household resident obtains a license or a permit, so we can review your policy coverages.
Through GEICO, student drivers with a “B” average or better may be eligible for a Good Student Discount. Contact a GEICO agent for specific eligibility requirements.
New Jersey Registration Information
If you plan to visit a New Jersey Motor Vehicle Commission office to obtain a license or register a vehicle, there are certain documents you must bring with you.
New to the Garden State?
New Jersey law requires the following actions to be taken within 60 days of your move or before your current documents expire, whichever occurs first:
- Transfer your out-of-state license.
- Transfer your vehicle title.
- Register your vehicle.
For more information on the requirements when moving to New Jersey, visit the New Jersey Motor Vehicle Commission website.
FAQs
Q: What is the difference between a standard and basic car insurance policy in New Jersey?
A: A standard policy provides multiple coverage options and the ability to purchase additional protection, while a basic policy is cheaper but offers limited benefits.
Q: What are the minimum auto coverage requirements in New Jersey?
A: In New Jersey, all vehicles must have Liability, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist Coverage. The specific coverage levels can be found on the New Jersey Motor Vehicle Commission website.
Q: Can I choose between Full Tort and Limited Tort auto insurance policies in New Jersey?
A: Yes, New Jersey drivers have the option to carry either Full Tort or Limited Tort. Full Tort allows you to retain the right to sue for pain and suffering, while Limited Tort limits your ability to sue unless you sustain a catastrophic injury.
Q: Are there specific rules for teen drivers in New Jersey?
A: Yes, teenage drivers in New Jersey have specific rules, including learner’s permit requirements, nighttime driving restrictions, and the need for supervision during the learner’s permit phase.
Q: Can student drivers in New Jersey qualify for discounts?
A: Through GEICO, student drivers with a “B” average or better may be eligible for a Good Student Discount. Contact a GEICO agent for specific eligibility requirements.
Conclusion
Ensuring you have the right car insurance coverage is crucial, especially in a state like New Jersey. By understanding the different policy options, coverage requirements, and additional information specific to New Jersey, you can make informed decisions about your auto insurance needs. Whether you’re a new resident or a long-time driver in the Garden State, GEICO is here to help you navigate the world of car insurance, save money, and get the coverage that fits your needs.
