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Auto Insurance

Coverage for Your Car and Your Everyday Drive

Auto insurance

What is auto insurance?

Auto insurance is a contract that provides specified protection in exchange for a premium. What it pays depends on the coverages you select, policy limits, deductibles, and the circumstances of the loss.

Liability, personal injury protection, uninsured or underinsured motorist protection, collision, and comprehensive coverage serve different purposes. Review your choices alongside New Jersey requirements and any lender or lease requirements.

Choose Auto Coverage With Confidence

Bring your vehicle and driver details to a coverage review.

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Understanding Auto Insurance

How Does Auto Insurance Work?

Your policy identifies insured vehicles, drivers, coverages, limits, and deductibles. After a loss, the insurer reviews the claim against those terms. Having insurance does not mean every repair or expense is covered.

The New Jersey auto insurance guide explains coverage choices and consumer resources.

What Should You Compare?

Review liability limits, medical coverage choices, uninsured motorist protection, deductibles, and optional benefits. Tell us about household drivers, how the vehicle is used, and any delivery or business driving. Compare the actual policy terms alongside the price.

How Do I File an Auto Insurance Claim?

1. Get to safety and seek emergency help when needed.
2. Exchange information and document the scene when safe; report the incident to police when required.
3. Notify your insurer promptly and provide the requested records.
4. Follow the adjuster's instructions, keep receipts, and review the coverage decision before authorizing repairs.

Keep Your Claim Information Organized

Auto insurance

Keep Your Claim Information Organized

Keep your claim number, photographs, police report information, estimates, and correspondence together. Ask your insurer about deductibles, rental reimbursement, repair arrangements, and any documents still needed.

Read the New Jersey guidance on claims under your own auto policy. For help discussing your coverage, call 908-603-7500.