NJM can present the usual automotive insurance coverage choices you’ll count on with any auto insurance coverage coverage, together with:
Legal responsibility protection: In the event you’re legally liable for one more particular person’s accidents or property injury from an accident you induced, legal responsibility automotive insurance coverage pays for others’ bills ensuing from the incident, similar to medical payments and automotive repairs. Legal responsibility insurance coverage additionally pays your authorized prices should you’re south.
Private damage safety (PIP): In the event you or your passengers are injured in a crash, PIP insurance coverage pays on your accidents no matter who was at fault. It is required in some states.
Collision protection: In the event you crash into an object, similar to one other automotive or a pole or fence, collision protection pays to restore or substitute your automotive if broken or destroyed, no matter fault. In case your automotive is totaled, the utmost payout is the worth of the automobile proper earlier than the accident, minus your deductible.
Complete protection: In case your automotive is broken by one thing aside from an accident, complete protection pays for repairs or the precise money worth of a totaled or stolen automotive. For instance, issues coated embody automotive injury ensuing from an animal collision, hearth, hail, vandalism or flooding.
Collison and complete protection are usually required in case you have a automotive mortgage.
Underinsured and uninsured motorists: Suppose your automobile was struck by a driver who wasn’t carrying any insurance coverage (or had too little). On this case, uninsured motorist protection pays for you and your passengers’ medical payments in case you are injured.
Uninsured motorist property injury protection helps pay for injury to your automobile however shouldn’t be obtainable in all states.