NJ STANDARD AUTO COVERAGE
- Standard Auto – We have access to various reputable insurance companies which produce competitive rates and excellent service. Weather you have an older vehicle you want to insure or a new leased or financed car, we will help you determine what coverages and limits suit you as individual best
- Bodily Injury – protects you against claims and lawsuits by people who are injured as a result of an accident you cause.
- Property Damage – protects you from claims and lawsuits against you for damaged property which you are responsible for an s a result of an accident you cause.
- Personal Injury Protection aka PIP – pays medical bills for you or other persons covered under your policy for injuries sustained in an auto accident, whether a passenger in someone else’s car or your own.
- Additional Personal Injury Protection ( Optional ) – this coverage is optional and provides coverage for lost wages, essential services, death and funeral benefit for auto accident related losses.
- Underinsured Motorist Coverage – Pays you if you are in an auto accident caused by a driver whom does not have the minimum coverage requirements.
- Uninsured Motorist Coverage – Covers you if you are in an auto accident caused by a uninsured motorist.
- Comprehensive (Optional) – Pays for such losses caused by theft, fire, vandalism, deer hits, etc.
- Collision (Optional) – Pays for body damage your car sustained due to an accident you did or did not cause.
- Towing (Optional)
- Rental (Optional)
ANTIQUE, COLLECTOR & MODIFIED VEHICLE AUTO COVERAGE
- provides the same standard auto coverage at an inexpensive cost to you.
Do you qualify for antique / collectors auto coverage?
- Is vehicle atleast 15 years old and,
- Is it kept in a fully enclosed and locked enclosure?
- Is vehicle driven for pleasure only (usually 1,000 – 5,000 miles per year)
- Atleast 10 years driving experience with a good driving record?
- Do you have a primary vehicle you use on a daily basis?
Do you qualify for Modified Auto Insurance?
- Is vehicle valued over $3,000?
- Is it kept in fully enclosed and locked enclosure?
- Is vehicle in good clean condition?
- Driven on occasional basis with proof of a primary car
- Driver 25 years of age or older with good driving record
Our agency represents a multitude of competitive Insurance companies, some of which include: Travelers Insurance, Progressive Insurance, Harleysville and Palisades Insurance Company.
Please call our office today for more information and/or to receive a quote!