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New Jersey Auto with Auto Insurance coverage

FAQs

Our sump pump failed and the insurance company is denying our claim because the water backed up through our sewers. Can they do this?

“Most insurance policies exclude water damage from water that backs up through sewers or drains. You may wish to contact your agent and inquire about putting an endorsement on your policy, which would cover sewer back up.”

What property and perils are excluded from most homeowner policies?

“Most homeowner policies provide coverage that does not apply to animals, birds, fish, automobiles and business property; for loss or damage caused by flood, surface water, water which backs up through sewers or drains, earth movement, nuclear damage, war, etc. There are specific limits of coverage on property insured under the homeowner’s policy such as money, securities, water craft, theft of jewelry, silverware, and/or guns.”

What is the difference between property damage liability insurance and collision insurance?

“Property damage liability insurance covers the cost of damage you may cause to the property of others. Collision insurance covers damage to your own car caused by a crash, minus any deductible.”

Auto Insurance

In New Jersey, auto insurance is a requirement. However, drivers have access to a slew of advantages, and all major purchases contain supplemental components. If you’re looking for a great plan to meet your needs, Paladin's independent insurance agents are here to help.

Basic New Jersey Auto Coverage

The cost and type of New Jersey auto insurance is flexible. The Automobile Insurance Cost Reduction Act has created a number of benefits for New Jersey drivers, and a Basic Policy is always available to all drivers. Consumers have access to great options every day, and it’s important to understand a basic policy’s benefits.

The New Jersey Basic Policy should be acquired by individuals with few real assets and family responsibilities. It’s a great transition for younger drivers beginning their adult lives. Basic, minimum protection is available immediately, and comprehensive coverage is easily added.

The Importance of Liability Coverage

Liability coverage, in particular, should be the first component drivers obtain. Liability coverage pays for the damages of other drivers. If you’re in an accident, any of the other party’s economic damages will need coverage.

Liability coverage protects your assets, and it defends your wages. If legal judgment is filed against you, liability coverage can buffer impending expenses. Again, while basic coverage is available for all, liability coverage should be purchased soon after.

Comparable Quotes and Great Opportunities

Our Auto Insurance team is here to deliver an expansive quote comparison database. Your lifestyle determines your needs, but our wide and varied benefit comparisons adhere to most situations. We will look to save you the most additional money in deductibles, premiums or advanced payment plans. Remember: This is your plan, and you deserve the optimal policy options.