Ahh, the Garden State… Atlantic city casinos, lighthouses, arts, culture, and the Jersey Devil!  Alright, so you have made the decision to relocate to New Jersey and experience all it has to offer.  But not so fast…  If you’re going to be visiting the sights and venturing off into the Pine Barrens looking for that elusive creature the Jersey Devil, you’re going to need some wheels to get around.  So, let’s take a look at NJ auto insurance basics, shall we?

Auto Insurance Quotes NJ – Who Needs Them?

According to New Jersey’s Motor Vehicle Commission, all vehicles registered in New Jersey require three types of mandatory insurance:

• Liability insurance pays others for damages that you cause if you are responsible for an accident. It does not cover medical expenses.
• Personal injury protection (PIP) pays medical expenses if you or other persons covered under your policy are injured in an automobile accident. Often called “No Fault” coverage, it pays your medical expenses if you were or were not at fault.
• Uninsured motorist coverage protects you if you are in an accident with someone who doesn’t have proper insurance coverage.

Auto Insurance Quotes NJ – Is NJ a “No-Fault” State?

New Jersey is one of the states that has adopted the “no fault” system.

“No Fault” is a type of insurance system requiring drivers to have Personal Injury Protection (PIP) which provides compensation to the policyholders for their bodily injuries regardless of who is found “at fault” for causing a traffic accident.

The primary intent underlying the “no fault” system is to minimize litigation with the idea of lowering overall insurance costs for everyone.

Auto Insurance Quotes NJ – Minimum Coverage Requirements

Visit our page on New Jersey auto insurance requirements for more details and be sure to get your free online auto insurance quotes by entering your zip code in the start box on any page to begin the quoting process.