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This is the most commonly advertised and widely purchased of all property and casualty Insurance products purchased today in this country. Unfortunately, few drivers are actually familiar with the details of their particular policy. Sure, you can go with the cheapest plan and get just enough insurance to comply with laws, but as professionals and consumers ourselves, we advise all of our clients to acquire the most comprehensive and inclusive insurance coverage, but for a fair market premium.
Automobile Insurance these days has become one of the most important insurances that you could carry. Just look at the State of New Jersey. They have had so much drama with regards to automobile insurance, it goes back to the 1980’s. (There are those out there that have asked us to put together a documentary about it, but we’ll leave that to the entertainers.) In fact, to this day, those of us in the beautiful Garden State have the most insurance available of any State in the union for every dollar spent, and this New Jersey Automobile Insurance Buyers Guide shines a little light as to “the why.”
Over the years, experience has taught us to do the following: have Liability Limits to cover your assets, shop for the best Comprehensive & Collision deductibles. But large marketing advertisers have pushed our society into buying the cheapest thing that you can. But, what if you sacrificed any of the prior two items for the price? Would you feel confident that upon a claim, that you’d have representation?
We have assisted clients in understanding that when you have low liability limits or even someone else does who cause harm to you, you are always at risk. If someone “totals” your vehicle, which is rather common these days in this current economy, and they have low limits of Property Damage Liability, you may be at a loss. Sometimes, the only way to seek the balance to the cost of your vehicle’s replacement may be to sue the individual outside of insurance, as their insurance company maxed out their limits, and they are “off the hook.”
Additionally, depending on the State you are driving, living, or insured in, there may be differences in coverages that are not commonly known. Personal Injury Protection is one example of how you yourself can seek medical payments in the event of injury. It can very confusing from the perspective of fault, negligence, and the existence of health insurance. Even getting a Rental Car for the time that your vehicle(s) may be under repairs for claims may be a daunting task. How much do you have to pay for the rental as you may have never actually rented a vehicle, may be an initial question. Or perhaps you may question the choice of repair facility you are required to go to. Obviously no two cars are alike, therefore no two repair shops must be alike either.
That’s the difference in dealing with an Agent and Broker that deals with insurance and insurance companies everyday, or dealing with a simple minded direct insurance company. Here at our agency, you can be rest-assured that you would be counseled on the proper limits and what the best price is for the particular risk, not to mention that you would have representation. During the claims process, you are entitled to a swift and accurate facilitation in order to “bring you whole again.” Of course, that is the root concept behind “insurance” to begin with.
We invite you to experience our reputation that transcends expectations of service.