Chances are that you probably don’t know what type and what amount of automobile insurance you have. That’s usually the case for most people, that is, until you’re involved in a car accident and need your insurance. It’s imperative that you know what type of coverage you have BEFORE you get into an accident, because, once you are in an accident, you are bound by the coverage you have.

You have to remember a few basic things when it comes to auto insurance:

• First, carrying auto insurance is MANDATORY in New Jersey. If you own a car registered in this state, it has to be insured…period!
• Next, get what you can afford… but make sure your adequately covered. Everyone has bills, debts and everyday expenses that need to be met, but insurance is one of the expenses worth paying more for. No one wants to be saddled with extra costs for medical bills, missed work, property damage, etc., for an accident they didn’t cause. So, if you can afford better coverage, get it!
• Finally, although policies can be similar, each automobile insurance policy is different and certainly worth the time to discuss. Be sure to ask questions when you purchase your policy, and make sure you understand exactly what you are paying for.

For a lot of people, knowing what is and what is not included in an insurance policy can be difficult to understand. Feel free to contact us to schedule a free appointment with me here in our Lawrenceville, New Jersey office. I’d be happy to help you and your family get the protection you need.