New Jersey Car Insurance Quotes

Car Insurance Quotes in Newark, New Jersey (NJ)

Multiple car crash on Linden and Ocean avenues in New Jersey City

New Jersey Auto Insurance Fraud

Three New Jersey chiropractors hired people, known as “runners,” to go through public records, find people who had recently been involved in auto accidents and then recruit those people to undergo chiropractic treatment. The chiropractors subsequently billed these patients’ insurance companies for excessive treatment. This is an example of auto insurance fraud. Staged accident rings also commit auto insurance fraud by actually causing accidents and then billing the unsuspecting drivers’ insurance companies.

People who “invent” traffic injuries, or exaggerate those that they do have, is another common form of auto insurance fraud. Falsifying or altering an insurance card constitutes insurance fraud, as well. The problem with insurance fraud is that someone has to pay for it, and insurance companies must raise their rates in order to compensate for the money paid out in fraud. This costs the consumer up to $1,000 per year more in insurance premiums. Statewide, this results in millions of dollars lost to insurance fraud and, nationally, billions of dollars lost.

New Jersey Alcohol-Related Accidents

Every year in New Jersey there are roughly 32,000 auto accidents where drivers have a blood alcohol content (BAC) level of .10 percent or higher. (The legal BAC limit in New Jersey is 0.08 percent.) So the drivers in these 32,000 accidents are well over the legal drunk driving limit. At this accident rate, there will be at least 10,000 injuries and 300 fatalities. Alcohol-related accidents where drivers have BACs between 0.08 and 0.09 percent will result in approximately 400 injuries and 30 fatalities, and when BACs are below 0.08 percent, this will result in an estimated 1,000 injured passengers or drivers and 70 deaths.

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Strange New Jersey Laws

All states have their share of strange, unusual and nonsensical laws on the books. Here are a few of New Jersey’s strange (but unenforced) laws:

  • It is illegal in New Jersey to slurp when eating soup.
  • It is also against the law in New Jersey to frown at a law enforcement officer.
  • Any person convicted of drunk driving in New Jersey is forbidden from applying for personalized license plates for life.

Driving in New Jersey

Driving in New Jersey is especially picturesque during the fall with its crisp air and spectacularly colored leaves. Motorists can stop at one of New Jersey’s quaint shops or seafood restaurants. Drivers can find cultural attractions in New Brunswick’s museums and historical landmarks. Did you know that Upper Montclair’s Iris Gardens is a National Historic Site?

New Jersey’s Auto Insurance Requirements

There are three ways for New Jersey drivers to establish financial responsibility:

Purchase basic coverage. This meets New Jersey’s minimum requirements.

Purchase standard coverage. This plan offers extra coverages.

Become self-insured. This applies only to businesses with 25 or more vehicles.
Basic Coverage:

For injury or death to more than one person: $10,000

For property damage: $5,000

 

Standard coverage:Injury/death of one person: $15,000

Injury/death to more than one person: $30,000

Property Damage: $5,000

Personal Injury Protection: $15,000

Uninsured or underinsured motorist: $15,000

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