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New Jersey Auto Insurance Minimum Coverage Requirements – How to Find the Best NJ Car Insurance

admin — Tue, 06 Jul 2010 15:31:28 +0000

Finding the best New Jersey car insurance rates is often just a matter of doing your research. Read on to learn some of the New Jersey car insurance basics and find out a few things that maybe you didn’t know about auto insurance coverage in New Jersey and then put your newfound knowledge to good use shopping around and comparing NJ car insurance quotes. Read on and see how much you may be able to save!

In New Jersey you are also required to have a minimum bodily injury liability coverage in the amount of $15,000 per person up to a total of $30,000 per accident. Bodily injury liability protects you or another driver on your policy if you are found to be at fault in an accident that resulted in an injury or death, for such things as medical expenses, lost wages, pain and suffering, and legal defense, if necessary.

You’re also required to have at least $5,000 of property damage liability in New Jersey. If you or another driver on your policy is found to be at fault in an accident, property liability damage will cover damage to another person’s property such as a fence, car, or home, and any legal costs associated with the accident.

In addition, you are required to have a minimum of $15,000 of personal injury protection. Personal injury protection may include all medical expenses, dental and optometric treatment, ambulance and nursing services, necessary medications, medical supplies, and prosthetic devices.

Be sure and shop around and compare NJ auto insurance companies side by side in order to find the best NJ car insurance coverage.

By: James J. Robinson

Texas Car Insurance Requirements

admin — Sun, 14 Feb 2010 20:21:45 +0000

Texas state law requires all motor vehicle drivers to carry auto liability insurance in the form of Bodily Injury Coverage and Property Damage Coverage. As well, if the vehicle is still under lien, the lender will require that the policy holder also carry Collision and Comprehensive Coverage.

In Texas the required minimum coverage for Bodily Injury Liability Coverage is:

o $20,000 per person injured in any one accident

o $40,000 for all persons injured in any one accident

The required minimum coverage for Property Damage is $15,000 for injury to or destruction of the property of others in any one accident.

Optional insurance may include:

Uninsured/Underinsured Motorist (UM/UIM) Coverage: Bodily Injury UM/UIM will pay lost wages; medical bills; pain and suffering; disfigurement; and permanent or partial disability. There is no deductible. Property Damage UM/UIM will pay for damaged items in the accident vehicle, repairs and rental cars, however there is a $250 deductible. UM/UIM coverage must be offered by insurance companies. If the policy holder chooses not to purchase this coverage, he/she must put the rejection in writing.

Collision Coverage: Will pay for repair or replacement of the vehicle regardless of fault, however payment is limited to the cash value of the vehicle minus the deductible.

Comprehensive Coverage: Will pay for damage to the vehicle caused by other incidents besides collision, i.e., vandalism, storm damage, and theft.

By: Elizabeth Newberry

Ohio Car Insurance Requirements

admin — Sun, 31 Jan 2010 19:16:32 +0000

Ohio state law requires all motor vehicle drivers to carry Bodily Injury Liability Coverage as well as Property Damage Coverage.

In Ohio the required minimum coverage for Bodily Injury Liability is $12,5000 per person injured in any one accident and $25,000 for all persons injured in any one accident.

The required minimum coverage for Property Damage is $7,500 for injury to or destruction of property of others in any one accident.

Optional insurance available for purchase may include Uninsured Motorist Coverage as well as Underinsured Motorist Coverage. A mandatory offer of this type of coverage is not required by the State of Ohio. As well, Ohio has no laws which regulate the amount of coverage to be purchased.

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Ohio law requires all drivers to carry Bodily Injury Liability Coverage; Property Damage Liability Coverage; Tort Option Coverage; and Medical Expense/Burial Coverage.

In Ohio the required minimum coverage for Bodily Injury Liability is $15,000 per person and $30,000 per occurrence.

The required minimum coverage for Property Damage Liability varies. Consumers should consult with their insurance representatives.

Tort Option Coverage in Ohio – Full vs. Limited: Used to determine the policy holder’s ability initiate a lawsuit for pain and suffering involved in a car accident.

The Ohio also requires $5,000 worth of coverage for Medical Expense Benefits.

By: Elizabeth Newberry