Category: Auto Insurance

Understanding Auto Insurance Coverage for Accidents

Whether you’re involved in a minor fender-bender or a major collision that totals your car, auto accidents can be a major inconvenience. Thankfully, for drivers in Medford, NJ, and the broader Tri-State area, auto insurance coverage is available to handle large and small inconveniences alike. If you’re seeking auto insurance solutions tailored to you and your vehicle’s needs, look no further than the seasoned, customer-centric team at Rock Insurance Services.

Auto Insurance Solutions Tailored for You and Your Vehicle

Dealing with an auto accident involves numerous moving parts and complex considerations. Preparing for these unexpected events is the best strategy to manage them effectively. At the same time, we all hope never to be involved in a car accident, whether minor or substantial; having the right insurance plan can provide peace of mind.

Auto accidents can result in a multitude of inconveniences, such as loss of vehicle use, costly repair bills, medical expenses, and more. However, with robust auto insurance coverage, you can prioritize recovering and returning to normal life post-accident, confident that your car’s needs will be addressed.

Are You Adequately Covered?

Still unsure about your auto insurance coverage? Looking for a comprehensive plan that safeguards you and your vehicle adequately? Our experienced agents at Rock Insurance Services are readily available to answer your queries and explore different auto insurance options with you.

Get Your Auto Insurance Today

If you reside in the larger Tri-State area or Medford, NJ, and need auto insurance solutions, the team at Rock Insurance Services welcomes you. Discover how we can meet all your auto insurance requirements and ensure you and your car get the coverage you both deserve. Contact us today for reliable insurance solutions from Rock Insurance Services.

Auto insurance is designed to provide coverage in a variety of scenarios, and speeding while in an accident is a common scenario. Insurance isn’t a substitute for speeding, but it may cover you in many situations where you’re exceeding the posted speed limit.

Here’s how auto policies typically handle speeding accidents:

Basic Coverage with Limitations

Typically, your auto insurance will cover you even if you were speeding at the time of an accident. This includes liability coverage, which is mandatory throughout the Tri-State area.

Liability insurance normally covers damage and injuries to others if you’re at fault in an accident. While this protection would likely remain in effect, it’s important to note that speeding can affect your claims process and how a policy pays.

Potential for Increased Premiums

While your auto insurance may cover an accident that occurs while you’re speeding, this doesn’t mean there aren’t consequences. Speeding violations can lead to points on your license, which can increase future auto insurance premiums. You’ll also likely see premiums jump if you’re at fault because of the accident — and speeding increases the likelihood that you’ll be found at fault.

We at Rock Insurance Services can help drivers in Medford, NJ compare policy options if they’ve seen rates jump. Even with comparing policies, though, you’ll likely see rates increase if you were speeding.

Possible Denial of Claims in Extreme Cases

In extreme cases, such as reckless driving or excessive speeding, an insurance company may deny a claim. Drivers usually must be going well over the speed limit for these to apply, but they could leave you with no coverage if you’re found guilty. Reckless driving is often a criminal charge in the Tri-State area.

Rock Insurance Services Is Happy To Help

If you need help understanding your auto insurance policy, contact us at Rock Insurance Services. We’ve worked with many Medford, NJ drivers, and we’re here for you too. 

Navigating the unique traffic conditions and weather patterns in New Jersey can be treacherous without the right auto insurance. The best way to protect your auto is to get insurance from a knowledgeable and licensed agent. 

Tri-State Auto Insurance Basics

Not only is New Jersey auto insurance a legal requirement for all drivers having the right insurance can safeguard your auto and finances from the devastating financial losses associated with an automobile accident. Talk to the insurance professionals at Rock Insurance Services in Medford, NJ  to learn about the best auto insurance coverage options for protecting your four-wheeled investment! 

Roadmap: New Jersey Auto Insurance 

All New Jersey drivers must insure their cars with the minimum liability coverage required by the state. Minimum liability helps to ensure that you and other drivers have basic coverage and protections in an accident. 

It is important to note that minimum liability insurance is exactly that. This insurance only covers the bare minimum for bodily injury, property damage, and legal coverage in an accident. New Jersey drivers who want to extend their coverages to protect their medical bills, repair or replace their automobile in an accident, and additional, comprehensive coverages can talk to an insurance agent about adding comprehensive or collision insurance to their auto policy. 

Beyond Liability – Comprehensive and Collision Insurance 

These extended coverages add protections for non-collision-related events that could cost thousands of dollars without insurance. 

Non-Collision Related Coverages 

• Theft
• Vandalism
• Natural Disasters

Get a New Jersey Auto Insurance Quote!

Ready to extend your auto insurance coverage in New Jersey? Contact a licensed insurance agent at Rock Insurance Services in Medford, NJ and around the Tri-State area. Our knowledgeable agents can answer your insurance-related questions and help you get the best insurance for your budget! 

As severe storms become more frequent and severe here in the Medford, NJ and Tri-State areas, it’s important to make sure your car is prepared for the worst.

Here are some tips from us at Rock Insurance Services to help you prepare your car for a storm: 

1. Check your tires

Make sure your tires are in good condition and properly inflated. This will help ensure better traction on wet or icy roads. 

2. Check your wiper blades

Make sure your wiper blades are in good condition so that you can see clearly while driving in a storm. 

3. Stock up on supplies

Keep an emergency supply kit in your car with items such as jumper cables, a first-aid kit, flashlights, blankets, and extra water and snacks just in case you get stuck somewhere due to bad weather. 

4. Fill up the tank

Make sure you have at least half a tank of gas so that you can get to a safe location if needed without having to worry about running out of gas. 

5. Protect the exterior

If possible, find a covered garage where you can park during the storm to protect it from hail damage or other debris from high winds. 

Reach Out To Us!

By following these tips, you can make sure that your car is ready for any storm that comes its way! For more tips or to explore an auto policy in case something does go wrong, give us at Rock Insurance Services a call today. We are proud to serve the Medford, NJ and Tri-State areas and would be glad to help you find a policy that meets your needs and your budget.

Snow can make for a dangerous driving experience. It is important to get the right auto insurance coverage in case of any accidents or emergencies. Our team of insurance experts at Rock Insurance Services in Medford, NJ is happy to assist our Tri-State customers with all insurance and related queries. 

Here are some tips to help you stay safe while driving in the snow:

1. Make sure your car is properly prepared for winter weather. This includes ensuring that your tires have good tread, that your windshield wipers are in good condition, and that you have sufficient antifreeze in your engine.

2. Drive slowly and adjust your braking distance accordingly. Snow and ice can make it difficult to stop your car quickly.

3. Increase your following distance. Cars traveling in front of you can create a "snowplow" effect, which can cause you to lose control of your car.

4. Use caution when turning. Ice can make it difficult to keep your car under control during turns.

5. Be alert for black ice. This is a thin layer of ice that is difficult to see but can cause you to lose control of your car very quickly.

6. If your car starts to skid, take your foot off the gas and turn in the direction that you want the car to go. This can help you regain control of your vehicle.

7. Keep a winter driving kit in your car, including blankets, flares, extra warm clothes, and non-perishable foods and water. Having this kit on hand can help you stay safe and comfortable if you get stranded in the snow.

8. If your car does get stuck, don’t panic! You can use a bag of sand or kitty litter to provide traction for your tires or even push your car out of a snowbank by rocking it back and forth. 

Contact Us Today

For more safe driving tips, call Rock Insurance Services today. We proudly serve the Medford, NJ and Tri-State areas.

How much auto insurance do you need? This is a question that many people ask, but it can be difficult to answer. The amount of coverage that you need depends on a variety of factors, including your assets and your liabilities.

Here we discuss some tips for determining how much coverage you need:

1. Consider Your Assets

Your auto insurance should protect your assets in the event that you are sued for damages in an accident. If you don’t have many assets, you may not need as much coverage as someone who has a lot of assets.

Consider your home, savings, investments, and any other property that you own. A professional insurance company such as Rock Insurance Services in Medford, NJ can help you in the Tri-State area to determine the amount of coverage that you need based on your assets.

2. Consider Your Liabilities

Your auto insurance should also cover your liabilities in the event that you are sued for damages in an accident. If you have a lot of debt, you may need more coverage than someone who doesn’t have as much debt. Consider your mortgage, credit card debt, student loans, and any other debts that you have.

3. Consider Your Driving Record

If you have a clean driving record, congratulations-you’re in the minority. Most drivers will experience some type of collision or moving violation within the first few years of driving. If you live in an urban area or drive frequently in heavy traffic, your odds of being in an accident go up even more.

Your driving record is one of the most important factors in determining your insurance rates. If you have a history of accidents or moving violations, you can expect to pay more for your coverage.

Contact Us Today

Determining how much auto insurance you need can be difficult, but it’s important to make sure that you have the right amount of coverage. Consider your assets, your liabilities, and your driving record when determining your coverage needs.

A professional insurance company can also help you to determine the amount of coverage that you need. Rock Insurance Services Rock Insurance Services in Medford, NJ, serving the residents of the Tri-State area, is a great resource for determining your auto insurance needs. Give us a call today to get started.