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Uninsured and Underinsured Motorist Coverage in New Jersey

Uninsured and Underinsured Motorist Coverage in New Jersey

You may have heard the term “full coverage auto insurance,” and maybe you’ve even used the term yourself. The thing is this isn’t a specific kind of insurance. It’s a general term that describes a collection of coverage options that exceed those mandated by New Jersey.
Since there is no standard definition for being “fully insured,” what’s included may vary. You have plenty of coverages to choose from to customize your auto policy for your needs. Here are some that you may find in “full coverage.”

If you have questions about your current coverage, start by reading your policy and consulting with your insurance professional.

Liability Coverage

All vehicle owners in the Garden State are required to have liability coverage. The two types, bodily injury and property damage, pay others for damages or injuries you cause if you are responsible or partially responsible for an accident. Read more about how it protects you.

Comprehensive Coverage

This coverage may pay for repairs to your car when it’s damaged by something not related to a collision with another vehicle. That includes natural disasters, vandalism, fire and theft. If you financed the purchase of your vehicle, or leased it, you may be required to carry this coverage. You can find more information about it here.

Collision Coverage

Damage to your car caused by hitting stationary objects, fender benders or rollover crashes are typically covered by this type of insurance. It’s differs from liability coverage in that it pays for your car repairs. You may also be required to carry this coverage if you financed your car or leased it.  Find out more about collision coverage.

Uninsured/Underinsured Motorist Coverage

This coverage can help pay for expenses you incur after an accident with a vehicle driven by someone who is not insured or doesn’t have enough insurance. There are two parts to this coverage: bodily injury and property damage.  Read more information about it.

Personal Injury Protection

Personal injury protection, or PIP, covers your medical expenses when you’re injured in an auto accident. It’s also known as “no-fault” coverage because it can apply no matter which driver caused the accident. Read more about PIP.

Talk to your insurance professional about other coverages that you may be able to purchase, such as loan/lease gap coverage. You can also read about customizing your auto policy to make it the best one for you.

Call 855-993-4470, get your free quote online, or find an agent to see how we can help you get full auto insurance coverage in New Jersey. If you need additional information it can be found on our Contact Us page.

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Plymouth Rock Assurance® and Plymouth Rock® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing arrangements. In CT, insurance is underwritten by Plymouth Rock Assurance Corporation, Palisades Insurance Company, and Plymouth Rock Home Assurance Corporation. In MA, insurance is underwritten by Plymouth Rock Assurance Corporation, Pilgrim Insurance Company, Plymouth Rock Home Assurance Corporation, Bunker Hill Insurance Casualty Company, Bunker Hill Preferred Insurance Company, Bunker Hill Property Insurance Company, and Bunker Hill Insurance Company. In NH, insurance is underwritten by Mt. Washington Assurance Corporation. In NJ, insurance is underwritten by Palisades Safety and Insurance Association, Palisades Insurance Company, High Point Property and Casualty Insurance Company, High Point Safety and Insurance Company, High Point Preferred Insurance Company, Teachers Auto Insurance Company of New Jersey, Twin Lights Insurance Company, Rider Insurance Company, and Palisades Property and Casualty Insurance Company. In NY, insurance is underwritten by Plymouth Rock Assurance Preferred Corporation, Plymouth Rock Assurance Corporation of New York, Palisades Insurance Company, and Palisades Property and Casualty Insurance Company. In PA, insurance is underwritten by Plymouth Rock Assurance Preferred Corporation, Palisades Insurance Company, High Point Preferred Insurance Company, Palisades Property and Casualty Insurance Company, and Rider Insurance Company. Each underwriting and managed insurance company is a separate legal entity that is financially responsible only for its own insurance products. Actual coverage is subject to the language of the policies as issued by each separate company. Some discounts, coverages, payment plans, features and benefits are not available in all states and companies. PA RESIDENTS: WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.