I get confuse about my NJ vehicle insurance so I will need some of your help. I already know what liability coverage is, but can you differentiate the three: collision, comprehensive and medical coverage?

Sandeep

Toms River, NJ

A lot of drivers really get confused about their NJ vehicle insurance and seek the help of their friends and family or even a vehicle insurance agent or broker. Since you already know what liability coverage is, I’ll help you understand what collision, comprehensive and medical coverage in your NJ vehicle insurance are.

First up, collision coverage would pay for the damages on your car in the event that you have a collision with another car or object. If you have collision coverage as part of your NJ vehicle insurance, you are required to pay the deductible first before your insurer picks up the tab. Similarly, comprehensive coverage would pay for the damages on your car but if it is due to natural causes like fire, flood or storm. Theft and vandalism are also coverage if you have comprehensive coverage on your NJ vehicle insurance.

In the state of New Jersey, medical payments coverage or Personal Injury Protection (PIP) is required for a driver to have as part of his/her NJ vehicle insurance. These things work in a different way but they are the same in giving medical care for you after an accident.

Will my car insurance rates here in New Jersey increase if I do some enhancements on my car such as adding DVD player?

Ian

Vineland, NJ

A lot of drivers put a spark in their automobiles by having some improvements, enhancements and add-ons like audio systems and DV player. However, remember that in case your automobile has to be repaired or is declared a total loss, I am sure that you would like those things be regarded in the value of the automobile. In a number of instances, your enhancements will not be covered in case you did not inform your car insurance provider about it and paid additional premiums. The best option you have in these kinds of conditions is to get in touch with your insurance agent or your car insurance provider and let them know the things that you have done or added to your vehicle.

Your car insurance provider in New Jersey will make a decision if they have to raise your insurance coverage and thus, your rates as well. For that reason, you need to keep the proof of payments for your vehicle enhancements. In case you have spent a lot of money for the improvement of your vehicle, you need to inform your car insurance provider about it and support the value you are telling them with the proof of payments. But in case you have done something on your automobile to just keep it in good driving shape, you will not have extra claim payment. This kind of improvement will just be regarded as regular car maintenance.

How does car theft affect my car insurance and what can I do to prevent it? my friend’s new car got stolen here in Clifton, New Jersey and found out they’re insurance wont cover the total price of the vehicle. I don’t want the same thing to happen to me.

Amanda

Clifton, NJ

Car theft, its a nightmare! Plain and Simple. Car theft costs has amounted to Almost $8 billion dollars as of 2008 and it seems that the number of incidences will not go down any time soon. Not only does it cause a lot of emotional distress, car theft also wreaks havoc on your finances especially on your auto insurance. As a victim, you would have to deal with all the paperwork and file all police reports in order to get a claim and, hopefully, your insurance policy will reimburse you for the full amount of your stolen vehicle, barring any complications with the insurance company.

You would want to avoid this at all costs so here are a few things to remember on how to protect yourself against car theft, and your car insurance rates from climbing:

Add additional safety mechanisms – Shop around for after market vehicle security systems, its worth the investment, since most of the time the security features of even the newest models can be overcome by very experiences (and very determined) thieves.

Review your insurance policy – Just because you can say you have car insurance doesn’t mean it will actually cover you in the event of a vehicle theft. Read and understand the term of your policy and know exactly when and how your car is covered.

If your car there in Clifton, New Jersey does get stolen contact the police to file a report immediately. Also get in touch with your insurance agent as soon as possible.

My daughter and I are making payments on a car we co-signed and she got her first DWI here in New Jersey. The auto insurance is also under my current policy with her as a driver. What will happen to my premiums now after her DWI?

Carla

Union, NJ

Driving While Intoxicated (DWI) is a serious violation that is considered a crime in New Jersey. If a person is arrested and/or convicted for DWI, he/she could have a suspended driver’s license and pay fines and/or serve time in jail. Any kind of citation for DWI is generally taken seriously by an auto insurance provider because it makes the motorist more of a risk to them. A DWI could have a serious effect on the whole auto insurance policy.

If your auto insurance provider finds out about your daughter’s DWI offense in Union, New Jersey, then your insurance premiums, since he is on your policy, would probably be raised. The rating systems of auto insurance providers vary so you will have to check out with your insurance agent to know how much your daughter’s DWI could affect all your premiums and for how long. If in case your auto insurance premiums go up because of your daughter’s DWI, then you might want to shop around to check if you could find a better rate and insurance quotes could be found here in this website.

I need to get an auto insurance from another company because my insurance has been canceled due to my drunk driving charge here in New Jersey. Could you please tell me where can I buy my auto insurance after my DWI?

Vic

Passaic, NJ

There are a lot of options that you have to get the right auto insurance after your insurance policy has been cancelled because of your drunk driving charge in Passaic, New Jersey. You can purchase your auto insurance through insurance companies that sell through their own employees and through your local insurance agent, by mail, over the Internet or over the phone. You can also consult the state insurance department, friends or relatives, the yellow pages of your phone book for the names of insurance companies doing business in the state of New Jersey.

In most states, there are dozens, sometimes even hundreds of insurance companies to choose from, which depend on the type of insurance you are looking for. Just make sure that the auto insurance company that you will choose is licensed to operate in the state of New Jersey and has a good reputation about their service. It is so easy to get an online rate quote for great car insurance that you need and that is available though this website.