Auto Insurance Coverage and Policy Options – Plymouth Rock NJ

While you’ll need to make lots of choices about auto insurance coverage and policy options in NJ, you won’t have to make these decisions on your own, nor should you have to.

Let’s face it, insurance can be overwhelming: there are mandatory coverages, optional ones, different deductible levels and policy limits. Whether you choose to work with a Plymouth Rock professional or a local agent, you’ll have someone there to answer your questions and help you build a policy that meets your needs and fits your budget. Here are just some of the ways you can customize your policy:

Coverage that Helps Protect Your Car

Collision Coverage: This pays for damages to your car from a collision with another car or object, or when your car overturns. It is typically optional unless required by a finance or lease company.  Learn more about collision coverage.

Comprehensive Coverage: This pays for damage to your car that’s not related to a collision with another vehicle, like vandalism, theft, flooding, fire, hail or hitting an animal. Like collision, comprehensive coverage is typically optional unless a lease or finance company mandates it.

Coverage that Helps Protect Your Assets

Liability Coverage: If you’re legally responsible for an automobile accident, liability coverage pays for injuries or damages and also pays for legal defense costs if you’re sued.  Read information about who needs it.

Personal Injury Protection: Also known as PIP, this pays the medical and hospital costs for you or your passengers when there's an auto accident, regardless of who caused the accident.

Uninsured Motorist Coverage: This pays for injuries or damages when you have an accident with someone who doesn’t have car insurance or doesn’t have enough coverage.  Read more information about it here.

Health Care Primary

Selecting the Health Care Primary option on your car insurance premium could help to lower the Personal Injury Protection (PIP) portion of your premium by up to 25% on each insured automobile. If you should unfortunately need medical treatment following an accident, Health Care Primary allows you to use your regular medical provider and follow familiar processes and procedures.

Assurance Packages

You’ll be treated to great customer benefits with every Plymouth Rock personal auto policy. Plus, you’ll have upgrade options available, so you can take advantage of additional services and policy features that best suit your needs.  Click here to find out about Assurance Packages available.

Call 855-993-4470, get your free quote online, or find an agent to learn more about auto insurance coverage and policy options. If you need additional information it can be found on our Contact Us page.