NJM can present the usual automobile insurance coverage choices you’d anticipate with any auto insurance coverage coverage, together with:
Liability protection: If you’re legally liable for an additional individual’s accidents or property injury from an accident you induced, legal responsibility automobile insurance coverage pays for others’ bills ensuing from the incident, comparable to medical payments and automobile repairs. Liability insurance coverage additionally pays your authorized prices when you’re sued.
Personal damage safety (PIP): If you or your passengers are injured in a crash, PIP insurance coverage will pay to your accidents no matter who was at fault. It’s required in some states.
Collision protection: If you crash into an object, comparable to one other automobile or a pole or fence, collision protection pays to restore or exchange your automobile if broken or destroyed, no matter fault. If your automobile is totaled, the utmost payout is the worth of the automobile proper earlier than the accident, minus your deductible.
Comprehensive protection: If your automobile is broken by one thing aside from an accident, complete protection will pay for repairs or the precise money worth of a totaled or stolen automobile. For instance, issues coated embody automobile injury ensuing from an animal collision, fireplace, hail, vandalism or flooding.
Collison and complete protection are usually required if in case you have a automobile mortgage.
Underinsured and uninsured motorist: Suppose your automobile was struck by a driver who wasn’t carrying any insurance coverage (or had too little). In 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 will not be obtainable in all states.