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Rock Insurance
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142 Route 70, PO Box 775
Medford, NJ 08055

Rock Insurance Agency Blog

Tips to prepare your car for a storm

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.

Tips for driving in the snow

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 Do I Know If I Have the Right Amount Of Auto Insurance Coverage?

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.

Does auto insurance cover a rental vehicle?

If you are like most people, you are looking forward to taking a vacation this year. After years of staycations, it has never been more popular to get out there and see America. You book your flight, get the hotels, and look for a rental car. At Rock Insurance Agency, Inc, serving Medford, NJ and the Tri-State area, we help you understand the types of coverage you have and what is covered. 

Does auto insurance cover a rental vehicle?

When you go online to book your rental car, you will be hit with a lot of questions. After you decide on the place and time of pick-up and drop-off, vehicle size, and dates, you will have to determine what insurance you want to cover your rental. You will be offered various types, and you probably wonder if your auto insurance will cover you. The answer is maybe. 

Some kinds of offered insurance can be refused right away. If you are happy with the amount of liability insurance on your auto insurance, you don’t need additional liability coverage. If you have a home, renters, or condo insurance, you don’t need the theft from your vehicle coverage. You already have it. 

If you have a full coverage auto policy that includes collision and comprehensive coverage, you should be adequately covered for a rental vehicle. If you have any questions, give your independent insurance agent a call to double-check. If, however, you have only liability coverage, you will need to find another way to cover your rental vehicle. Check the credit card you are using to rent the vehicle. Some cards offer rental vehicle coverage as one of their perks.

Give Us A Call

Contact Rock Insurance Agency, Inc, serving Medford, NJ and the Tri-State area,  for all your auto insurance questions and needs. 

Did You Make a Mistake on Your Auto Insurance?

Do you worry about making mistakes on your car insurance and want to avoid getting in any trouble? We understand this fear at Rock Insurance Agency Inc. Thankfully, we can help Medford, NJ residents prevent these problems and keep their insurance strong, safe, and reasonable.

Did You File a Claim When You Shouldn’t Have Filed It?

Some people may try to file a claim when they experience minor damage to their vehicle. This common mistake is frustrating to insurance companies because it’s not likely that they’ll ever have to pay for anything and the paperwork just clogs up their system. Only file if the damage is more than your deductible.

Did You Forget to Take Pictures?

Do you know how many people don’t take pictures of their cars after an accident? We don’t know the exact number but know that it is very high. This mistake is going to make your claim much harder to prove. Your company may even refuse your coverage until you provide photos to prove it. 

Did You Tell Your Insurance Companies You’re Okay?

When talking to your insurance company, it isn’t wise to say that you feel "fine" if you plan on getting any medical care coverage. This statement tells them that you aren’t suffering, and any attempt to get coverage for medical bills may be looked on with suspicion.

Did You Provide Too Little Information? 

Car owners may hide their fault in a car accident by providing minimal information to their insurance company. This mistake is critical because insurance teams do their investigations anyway and talk to other people, painting you in a bad light. 

Work With Us to Learn More 

We at Rock Insurance Agency Inc. understand that working with insurance companies can feel complex or challenging. However, we’re ready to help Medford, NJ residents avoid the kind of mistakes highlighted above. 

How Does Auto Insurance Protect Me?

Any automobile owner in the Medford, NJ area should be properly covered with an auto insurance policy. When determining which policies and coverage are best for you, it’s important to consider your driving situation as well as your financial limitations. If you are in the market for auto insurance and are feeling overwhelmed at your options, let the experts at Rock Insurance Agency Inc. guide you through the process. Shopping for insurance can be tedious, but it’s a necessary precaution to be protected on the road. 

Auto insurance in New Jersey requires three types of coverage:

1. Uninsured motorist coverage — If you’re in an accident with someone who doesn’t have insurance, you are still covered. 

2. Personal injury protection — PIP coverage covers the medical expenses regardless of who is at fault in an accident that involves your vehicle. 

3. Liability insurance — This covers other damages if you are responsible for causing them (but not medical costs). 

As you can see, the protection that auto insurance can provide drivers in Medford, NJ is invaluable for your safety and the safety of others on the road. Whether it’s a policy that covers just you, or your family members (like new teen drivers), the protection and peace of mind that auto insurance offers is reason enough to prioritize finding the right policy and coverage that suits your needs and matches your lifestyle. 

For reliable auto insurance and a team of experts you can count on, be sure to contact Rock Insurance Agency Inc. We offer auto insurance policies for drivers in the Tri-State area and would be happy to get you and your family set up with an insurance plan that will make you feel safe on the road.

What Auto Coverage Options Are Available to Me?

If you live in Medford, NJ, and a season for choosing your auto insurance cover has come, there is no need to panic, as Rock Insurance Agency Inc. is here to help you with the process. There are numerous options for car insurance, and understanding how each operates is a perfect starting point. To cool down your pressure, here is a review of the alternatives you have.

What Will Work for Me?

Each insurance coverage you purchase features its fair share of challenges, but they all have a limit. What more, some even come with deductibles. Note that different auto insurance covers will protect your finances to varying levels. Your broker can help you chose what works best for you and your dependents. Some options cover the car alone, while others include the passengers if an accident happens.    

What Is the Liability Insurance Coverage?

Liability insurance cover is one of the primary requirements for every driver. It is mandatory to carry the policy when driving in most states. It covers several scenarios that include damage caused to a secondary car and body injuries. It protects the other driver up to the limit you have set, as long as you are at fault during the accident.  

What To Learn About Car Rental and Travel Insurance

If your insurance company takes your car for repair after an accident, it compensates you to access a rental vehicle as you wait for yours. Consider renting with a company affiliated with your insurance institution to avoid complications. Purchase car rental insurance for such conveniences. 

Do I Need Emergency Road Coverage?

When on the road, emergencies are inevitable. Some can cost you a significant amount of money from your wallet. To avoid such trouble, buy emergency road coverage from your insurer. The policy comes in handy if your car breakdown in the middle of nowhere. You do not have to spend money on mechanical labor after an immanency has occurred along your journey.

If you are in Medford, NJ, contact Rock Insurance Agency Inc. today to enjoy a stress-free drive.

Defensive driving tips that can reduce your risks on the road

There is no question that driving is hazardous. You are not only dealing with road hazards like potholes, but you have to deal with other drivers. Aggressive drivers have been shown to cause about 33% of all vehicle accidents. Being a defensive driver can save you a lot of grief and a lot of expense. At Rock Insurance Agency Inc. in Medford, NJ, we have spent the last 17 years giving each customer the individual attention they deserve. 

Always wear a seatbelt.

You cannot do too many things to protect yourself from other drivers, so you need to assume they are out to get you. By wearing your seatbelt, you decrease your risk of serious injury by 50% and of death by 45%. Those are pretty good odds. 

Be aware of your surroundings.

It is so easy to get distracted when you are driving. Turn your phone off or if you must have it on, be sure you are hands-free. Don’t ever text and drive. Pullover. Keep your eyes and your attention on the surrounding cars, front, back, and side. Be aware of road signs, traffic lights, and any warnings you may see. Give driving your full attention; your life depends on it.  

Brake early

Don’t wait until the last minute to apply your brakes. Especially if the roads are wet or icy, this can result in a rear-end collision, and you will be the at-fault driver. 

If you are in doubt yield

If you are not sure who should go first, give way. It is much better to lose half a minute rather than end up having a collision. Being aggressive is not always the best policy. No one wins if you both go and end up colliding. 

When you are in the market for auto insurance, Rock Insurance Agency Inc. in Medford, NJ is here to help with great choices and affordable prices.  

Are Comprehensive and Collision Coverage Required?

You already know that you need auto insurance to stay legal while out on the road. But, what about other parts of the policy? Are they required? Our Rock Insurance Agency Inc. team has your answers. Here’s what you need to know about comprehensive and collision coverage in Medford, NJ.

Comprehensive and Collision Are Not Legally Required

A lot of our customers want to know if comprehensive and collision are legally required. The answer is no. These are both first-party coverages, meaning they only pay to fix your vehicle if you’re involved in an accident. The State of New Jersey doesn’t really care if you get your vehicle repaired, but they do care if you damage someone else’s car or property. That’s why liability–a third-party coverage–is legally required.

You Might Still Have to Carry Comp and Collision If Your Lender Requires It

However, you might still be required to purchase comprehensive and collision coverage. If you have a loan or lease on your vehicle, there’s a good chance that your lender wants you to carry it. This helps protect their investment in your car and ensures they won’t get stuck with a damaged vehicle if you suddenly stop making payments. In most cases, the papers you signed when you purchased your vehicle will tell you if they require this coverage on your auto insurance policy.

What If Your Vehicle is Paid Off?

If you own your vehicle free and clear, you do not have to carry full coverage insurance on your policy. However, this doesn’t mean that not having it is a good idea. If it would be nearly impossible for you to pay for repairs after a wreck or replace it if it was stolen, then you still need comprehensive and collision to protect yourself from the unknown.

Are you ready to learn more about purchasing comprehensive and collision coverage in Medford, NJ? Please contact our team at Rock Insurance Agency Inc. to schedule an appointment.

What auto coverage do I need to carry in New Jersey

Drivers in New Jersey need to follow the laws that govern the roads in the state. All drivers must carry proof of insurance in their vehicle, whether they are residents or just passing through. In New Jersey, three types of auto insurance are mandatory, Liability insurance, Personal Injury Protection(PIP), and uninsured motorist. The amount of coverage that you are required to carry is flexible, and having a trusted insurance agent like Rock Insurance Agency, Inc. in Medford, NJ can help you to make sure that you comply with the law. 

In New Jersey, you need to carry liability insurance, Personal Injury Insurance (PIP), and uninsured motorist. Where they differ from other states is that they have two options when it comes to following the law. Insurance agents can sell their clients a standard policy or a basic policy. The dollar amounts on the basic policy are lower, and the coverage is smaller. It is designed for young drivers who have little or no assets. The standard policy can be at a pretty basic amount and go higher to provide more coverage for those who have assets to protect. 

None of these types of coverage protects your vehicle. You may need to carry additional coverage if you have a loan or a lease on your car. Collision coverage will help to replace or repair your vehicle in the event you are held responsible for an accident. It can also help you to rent a car to get you around while you are waiting for your vehicle to be repaired and for at least a few days after your vehicle is totaled. Comprehensive covers your vehicle from damage that is beyond your control. 

Knowing what auto coverage you need is more than just what the state mandates. It is what you need to protect you from loss. At Rock Insurance Agency, Inc. in Medford, NJ, we will work with you to determine your insurance needs. Give us a call to get a free no-obligation quote.