{"id":3667,"date":"2025-11-10T12:10:00","date_gmt":"2025-11-10T17:10:00","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=3667"},"modified":"2025-12-11T11:38:30","modified_gmt":"2025-12-11T16:38:30","slug":"understanding-auto-insurance-coverage-in-new-jersey","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/understanding-auto-insurance-coverage-in-new-jersey","title":{"rendered":"Understanding auto insurance coverage in New Jersey"},"content":{"rendered":"\n

If you own a car in NJ, you cannot drive it unless you purchase automobile liability insurance that complies with the state\u2019s minimum coverage statutes.<\/p>\n\n\n\n

Basic insurance<\/h2>\n\n\n\n

Mandated auto insurance coverage in New Jersey<\/a> means that, at a minimum, your vehicle is covered by a basic policy. A basic policy provides property damage limits of $5,000 per accident, and personal injury protection (PIP) of $15,000 per person.<\/p>\n\n\n\n

Bodily injury coverage is not part of the basic package, but may be added as an option by some companies.<\/p>\n\n\n\n

With a basic policy, drivers automatically have a limited right to sue. It provides minimal coverage and drivers need to evaluate their circumstances to ensure this coverage provides the appropriate amount of protection necessary.<\/p>\n\n\n\n

Full coverage and standard car insurance<\/h2>\n\n\n\n

Full coverage car insurance<\/a> includes a minimum of $25,000\/$50,000 liability limits (most consumers purchase $100,000\/$300,000), $25,000 in property damage liability and the ability to buy PIP coverage limits from $15,000 to $250,000. Other features available would include rental and towing insurance<\/a>, collision insurance<\/a>, comprehensive insurance<\/a>, and more.<\/p>\n\n\n\n

Property damage liability should also be increased so that if you total another person\u2019s luxury car your limits will cover the cost. Most carriers recommend that full coverage include $100,000 in property liability. <\/p>\n\n\n\t\t

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Now let\u2019s talk about you<\/strong>
\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at 800-516-9242<\/a> or speak to a local agent<\/a>. \n

\nIf you\u2019d rather not talk, you can get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"

If you own a car in NJ, you cannot drive it unless you purchase automobile liability insurance that complies with the state\u2019s minimum coverage statutes.<\/p>\n","protected":false},"author":6,"featured_media":54099,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[81],"class_list":["post-3667","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto","state-nj"],"acf":[],"yoast_head":"\nUnderstanding Auto Insurance Coverage in NJ | Plymouth Rock<\/title>\n<meta name=\"description\" content=\"Plymouth Rock wants you to understand auto insurance coverage options in NJ including basic, full, standard, and other coverages.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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