Trying to find the right Auto coverage to fit your needs? We understand the many options and choices in Auto coverage can be very confusing. Talk to a licensed professional here at Danskin and we will help you get the most accurate and affordable Auto coverage for your personal needs. Everyone’s auto coverage needs are different, and here at Danskin we can evaluate dozens of insurance companies and options to help you get the best coverage for you and your family.
Here are a few basics to help you understand the components of auto insurance. Auto insurance protects you against financial loss in the event of an accident, and is comprised of the following broad categories of coverage:
Liability coverage pays for your legal responsibility to others for bodily injury or property damage
- Medical coverage (Personal Injury Protection) pays for the cost of treating injuries, rehabilitation and sometimes lost wages, a death benefit and funeral expenses
- Property coverage pays for damage to or theft of your car
Car Insurance is required in New Jersey; however there are quite a few options and decisions to make when determining the coverage you need and how much you should pay. Each policy will provide some consideration for the following coverages:
Personal Injury Protection
- Bodily Injury Liability Coverage
- Property Damage Liability Coverage
- Uninsured Motorist Coverage
- Underinsured Motorist Coverage
- Collision Coverage
Replacement Cost Auto
- Auto Loan/Lease Coverage
- Towing and Labor
The challenge is understanding how much of each coverage is right for you. How much Uninsured or Underinsured Motorist coverage does your current policy provide? What are the real risks, and how much do you need? Are your car’s navigation and DVD systems covered? Do you drive for Uber or Lyft, and need coverage for periods 1 and 4? Whether buying new Auto insurance, or renewing your insurance, we can help you sort through your options and coverage choices.