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Eligibility

What is the best way to find an insurance policy with a bad driving record?

There are 2 things I can recommend that should lead you to success: 1st - Quote with as many companies as possible. 2nd - Disclose everything on your driving record when quoting.

General Insurance

If I was in a 3 car fender bender, whose insurance do I contact for repairs?

With a multiple car accident it's usually best to contact your insurance company to start the claims process and they should work out the details with the insurers of the other drivers. These types of accidents can be a bit complicated when determining fault, but insurance companies do a pretty good job sorting through the details.

Car Insurance Costs

Should I file a claim or pay out of pocket for damage to my car?

Based on research through our State of Car Insurance Report, an at fault accident in New Jersey has an average impact of $1,228 additionally per year. Accidents impact rates for 3 years from the date of the incident, so it may make more sense to pay for the damage out of pocket rather than pay higher rates for the next 3 years.

General Insurance

Is car insurance mandatory in New Jersey if a person no longer uses their car to drive?

Here is a link a post that should answer your question. In New Jersey, you aren't required to maintain insurance coverage on a vehicle you are no longer driving, but the tags for your vehicle will need to be returned to the state.

General Insurance

Do I need insurance on a car that won't leave my garage?

If the vehicle will not be driven on the street then there should be no need to insure or register the car. The track may have a requirement that the vehicle be insured so you should definitely check with them first.

General Insurance

Can I put my insurance on hold due to temporary disability?

Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future.

Coverage & Claims

Why am I considered at fault for a rear end accident?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;In the majority of cases, hitting a vehicle from behind will be considered an \&quot;At Fault\&quot; accident. The reason is because insurance companies expect their customers to leave a safe amount of space between the front of their vehicle and the back of the driver in front.
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