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Auto Insurance Coverages

Auto Insurance

Auto Insurance for Drivers in New Jersey

Purchasing auto insurance can be confusing and expensive. It is important to understand all of your coverage and policy options to ensure you are getting the coverage you want. In the state of New Jersey, auto insurance is required by law. There are severe penalties for driving uninsured. Stop in to see Castillo and Associates, Inc. today to make sure you have proper coverage.

Auto insurance offers a variety of insurance policies to protect your vehicle beyond the minimum liability limits in New Jersey. It is highly advised to at least look into these policies to make sure you can cover costs for yourself and others.

Some things you may want to keep in mind to discuss with us are:

Policies

Two of the most common policies are a standard policy and basic policy. Standard Policy has numerous different coverage options. It is important to understand what coverage fits your auto insurance needs. A Basic Policy typically covers a little less than a standard policy which will mean that your vehicle will not be fully covered. It's important to understand the difference between the two types, and you can learn more about the topics by speaking to one of our agents.

Coverage

When it comes to coverage, you should be considering items such as Personal Injury Protection and Liability.

  • Personal Injury Protection is an important feature to have. It covers any injuries as a result of an accident received by you and anyone else that is covered under your policy. Most importantly, it does not matter who is at fault for the accident, you are still covered.
  • Liability covers damages in an accident that you cause. This is most important for when it is determined that the accident is your fault. There are two parts to liability coverage. Those are Bodily Injury Liability and Property Damage Liability.

This information covers a small amount of what options are available to you. To discuss in more detail and find out what coverage is best for you, please visit Castillo and Associates, Inc in New Jersey. We can help you get a quote and get started on an auto insurance policy.

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