New Jersey is infamous for its shores and the densest system of highways in the U.S. It's the perfect place to speed up or slow down and relax.
New Jersey: Cheapest cities to drive
Requirement : Yes
Car insurance is required in New Jersey . Drivers must have a minimum of either Basic or Standard coverage
Minimum Coverage Car Insurance Requirements:
A minimum basic insurance policy:
A minimum standard insurance policy:
Right to Sue : For those who have standard coverage, you must choose your right to sue options should you be injured in an accident. Regardless of which right, you may not sue for medical expenses, or loss of income, as those are covered by PIP. Your only options are to sue for pain and suffering.
Other Car Insurance Coverage Options:
Liability and uninsured motorist coverage are the only requirements for New Jersey motorist to have, there are several other types of coverage available to drivers:
Other Forms of Financial Responsibility:
Other legal ways around buying car insurance include: There are no alternative forms of financial responsibility. New Jersey requires all drivers to have minimum coverage.
Proof of Insurance: Yes
You must carry proof of insurance and registration with your vehicle at all times. The insurance company (provider) will give you an insurance card as proof of insurance.
The card will include:
Violations, Fines & Penalties:
Credit Scores & Determining Your Insurance Premium :
All New Jersey drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. High-risk drivers should try to find a provider that specializes in high-risk, non-standard drivers.
Other factors that may be used to determine your premiums include:
Discounts : Yes
Discounts available in New Jersey:
All drivers are prohibited from hand held cellphone use while driving. All drivers are prohibited from texting while driving. Cell phone and texting violations are considered primary offenses. Violators are subject to a $100 fine.