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We represent a large number of Auto Insurance Carriers which gives us a great advantage to compare companies and find you the best coverage available. Many of our carriers offer special coverages such as pet injury and discounts for driver training, affinity groups, good students, teachers and homeowners or renters packages. We encourage our clients to purchase more than the state required minimum to ensure your assets, such as your home and savings, are well protected in case a serious accident initiates a large law suit against you. It’s important that you understand what coverages you do or do not have and our skilled personal lines experts will walk you through the process of securing the right coverages to meet your needs. Often times, even in the Auto Insurance world, “you get what you pay for” and our job is to make sure that your exposure doesn’t go up as your payments go down, which in turn might put your assets at greater risk. Here are the basic coverages included in most Auto Policies along with a brief description so that you can make informed decisions about your coverages.

  • Bodily Injury Liability- this is the part of your policy that responds when you or, a driver of your car or, family members listed on the policy cause injury to someone else
  • Medical Payments or PIP-this is the part of the policy that would cover injuries to you and your passengers should you be involved in an accident that causes injuries
  • Property Damage Liability-this is the part of your policy that covers damage caused by you or a driver of your car to someone else’s property. This could apply to the other car involved or other property such as fences or structures
  • Collision-this coverage pays for damage to your car caused by an accident. This coverage usually has a deductible that ranges from $250 and up. The higher the deductible, the lower the premium but you should consider if you can meet that deductible if your car requires repairs
  • Comprehensive-this is the coverage that would reimburse you for your loss caused by something other than a collision such as a fire, vandalism, falling objects or contact with an animal. This coverage also usually carries a deductible that is adjustable to meet you needs
  • Uninsured and Underinsured Motorist Coverage-this is the part of your policy that covers you when you are hit by an uninsured driver or a hit and run driver. This coverage also applies if an at fault driver does not have enough insurance to cover your loss

Contact us or request a quote if you’d like us to find the right Auto Insurance Coverage for you



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325 Columbia Turnpike
Suite 106
Florham Park, NJ 07932
Tel: 973-538-6300