Category: Auto Insurance

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.  

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.

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.