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  Automobile Insurance  
   


NJ STANDARD AUTO COVERAGE

  • Standard Auto – We have access to various reputable insurance companies which produce competitive rates and excellent service.  Weather you have an older vehicle you want to insure or a new leased or financed car, we will help you determine what coverages and limits suit you as individual best
  • Bodily Injury – protects you against claims and lawsuits by people who are injured as a result of an accident you cause.
  • Property Damage – protects you from claims and lawsuits against you for damaged property which you are responsible for an s a result of an accident you cause.
  • Personal Injury Protection aka PIP - pays medical bills for you or other persons covered under your policy for injuries sustained in an auto accident, whether a passenger in someone else’s car or your own.
  • Additional Personal Injury Protection ( Optional ) – this coverage is optional and provides coverage for lost wages, essential services, death and funeral benefit for auto accident related losses.
  • Underinsured Motorist Coverage – Pays you if you are in an auto accident caused by a driver whom does not have the minimum coverage requirements.
  • Uninsured Motorist Coverage – Covers you if you are in an auto accident caused by a uninsured motorist.
  • Comprehensive (Optional) – Pays for such losses caused by theft, fire, vandalism, deer hits, etc.
  • Collision (Optional) – Pays for body damage your car sustained due to an accident you did or did not cause.
  • Towing (Optional)
  • Rental (Optional)


ANTIQUE, COLLECTOR & MODIFIED VEHICLE AUTO COVERAGE

  • provides the same standard auto coverage at an inexpensive cost to you.

Do you qualify for antique / collectors auto coverage?

  1. Is vehicle atleast 15 years old and,
  2. Is it kept in a fully enclosed and locked enclosure?
  3. Is vehicle driven for pleasure only (usually 1,000 – 5,000 miles per year)
  4. Atleast 10 years driving experience with a good driving record?
  5. Do you have a primary vehicle you use on a daily basis?

Do you qualify for Modified Auto Insurance?

  1. Is vehicle valued over $3,000?
  2. Is it kept in fully enclosed and locked enclosure?
  3. Is vehicle in good clean condition?
  4. Driven on occasional basis with proof of a primary car
  5. Driver 25 years of age or older with good driving record

Our agency represents a multitude of competitive Insurance companies, some of which include:  Travelers Insurance, Progressive Insurance, Harleysville and Palisades Insurance Company.

Please call our office today for more information and/or to receive a quote!


 
 
1520 State Route 23, Wayne, NJ (New Jersey) 07470-7516 • Telephone: 973-709-0070 • Facsimile: 973-709-0071