New Jersey Car Insurance Quotes

New Jersey follows a Choice No-Fault system, drivers my reject the No-Fault system and still have the right to sue for any injury related to an automobile accident.  A policyholder in New Jersey must choose at the time of policy purchase or renewal, between “full tort” or no fault (or limited tort)  options.  Once these policy terms are set, the policyholder may not change their mind without rewriting the policy.  If a choice is not made, the default in New Jersey is to have no fault insurance.
The fault-based system allows insurance companies to pay according to who was at fault and to what degree.  You are able to file suit for lost wages, medical expenses and other expenses related to the automobile accident.
With no-fault automobile insurance, a driver does not need to prove an accident was somebody else’s fault before receiving coverage for medical bills, lost wages or other accident related bills.  Their own insurance company will cover the costs up to the coverage amount purchased.  The limit is that you are not allowed to sue the other driver for pain and suffering or inconvenience unless you meet a serious injury threshold.  The serious injury threshold are defined by the state and can be a type of injury and be in terms of the length of disability.  Insurance companies significantly reduce the premiums you are charged when you choose no fault automobile insurance.
The minimum liability coverage in New Jersey is $15,000 per person to a total of $30,000 per accident of bodily injury liability and $5000 of property damage liability.  As a resident of New Jersey, you are also required to carry uninsured/underinsured insurance with the same limits.  If you have chosen a no fault policy, you must also have at least $15,000 in personal injury protection.  It is recommended that you carry more than the minimum required as the medical and property damage costs can surpass these coverage amounts quickly.