New Jersey Auto Insurance Information
Morris County, NJ and Surrounding Areas
The value of good auto insurance often doesn't become apparent until
you really need it. Whether it's a minor fender bender or a more
substantial accident, it pays to have New Jersey auto insurance
coverage you can count on.
Let our experienced New Jersey auto insurance policy specialist
explain the different Liability limits, Comprehensive, Collision, Personal
Injury Protection, Uninsured Motorist, Medical coverages, and
deductibles that are available for you to choose from. We offer more
affordable auto insurance policies from leaders in the auto insurance
industry serving Morris County, NJ and surrounding counties.
Learn more about New Jersey Auto Insurance
policy coverage options below!
Click on the link below to fill out a secure online quote request form for a New Jersey Auto
Insurance policy that will provide excellent auto insurance coverage at an affordable cost. Or you
can speak with our New Jersey Auto Insurance agent specialist at (973) 584-5850 to discuss the
insurance policy features in more detail.
We are a Flanders, NJ insurance agency offering affordable New Jersey auto insurance policy
premiums to residents of the following towns, cities and counties in New Jersey: mount olive,
budd lake, hackettstown, ledgewood, succasunna, naughright, chester, mount freedom,
randolph, wharton, dover, beatyestown, port murray, great meadows, netcong, mount arlington,
hopatcong, mount hope, morristown, rockaway, morris plains, mendham, whippany,
parsippany, boonton, hurdtown, espanong, greendell, pottersville, bernardsville, basking ridge,
mountainville, high bridge, bunnvale, hampton, washington, hope, newark, trenton, camden,
elizabeth, jersey city, paterson, hackensack, cherry hill, vineland, millville, toms river, atlantic
city, piscataway, fort lee, orange, union city, paramus, new brunswick, bayonne, hoboken, north
bergen, essex county, middlesex county, mercer county, hunterdon county, bergen county,
passaic county, morris county, warren county, sussex county, somerset county, union county,
hudson county, gloucester county, camden county, burlington county, atlantic county, ocean
county, cumberland county, salem county, monmouth county, cape may county, NJ. We also
offer auto insurance coverage throughout Connecticut, Pennsylvania, and New York.
Covers damage caused to the owners auto from a collision caused by another auto or other object.
The deductible is the amount you choose to pay upfront (if any) before the auto insurance policy
pays. The higher the deductible chosen the lower the collision coverage cost within the New Jersey
auto insurance policy.
New Jersey Auto Insurance FAQ
Covers damage caused to the insured's auto (your automobile) from risks such as theft, fire, falling
objects, earthquake, flood, missiles, explosion, riot and civil unrest. The deductible is the amount you
choose to pay upfront (if any) before the auto insurance policy pays. The higher the deductible chosen
the lower the comprehensive coverage cost within the New Jersey auto insurance policy.
New Jersey Auto Insurance FAQ
New Jersey Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an auto insurance
policy. The minimum liability insurance coverage available for purchase in New Jersey is 15/30
and is explained in detail below. However, we recommend that you choose liability insurance
coverage amounts that are much higher than the minimums listed below. Contact us to discuss
what liability coverage amounts you require to meet your family and personal needs.

New Jersey Liability Coverage limits explanation:
15/30/5 15=$15,000 - 30=$30,000 - 5=$5,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
New Jersey Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a motorcycle, car,
truck, fence, or house, is covered through property damage auto insurance coverage. This
coverage also assists in protecting you if a lawsuit arises from an accident. The minimum
coverage amount in New Jersey is $5,000.
New Jersey Auto Insurance FAQ
Medical payments coverage pays for the medical and funeral expenses for you or others hurt or
killed in an accident while riding in or driving your car or truck. Claims against this coverage include
all reasonable hospital, surgical, chiropractor, X-ray, dental, professional nursing, prosthetic, and
funeral expenses. It will also cover you or members of your family if you are hit by a car when you
are walking or if you are riding in another car or truck. This coverage will pay for your medical and
funeral expenses even if you cause the accident. The coverage is often limited to medical care you
get in the first one, two, or three years after the accident and is limited to a specific dollar amount.
This is required New Jersey Auto Insurance coverage.
New Jersey Auto Insurance FAQ
New Jersey does require "No Fault" insurance coverage. This coverage pays medical bills for
injuries suffered in an auto accident regardless of who caused the accident.
Benefits Provided Include:
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray, dental and
rehabilitative services, including prosthetic devices, wheelchairs, crutches, slings, neck braces
and splints (including necessary travel related to medical care.)
Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an injury suffered in an
accident.

$5,000 death benefit

New Jersey Auto Insurance FAQ
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault driver
who has no auto liability insurance. This coverage is required for New Jersey Auto Insurance.
Contact us to discuss what uninsured coverage amounts you require to meet your family and
personal needs.

Example of uninsured motorist limits:
30/60 30=$30,000 - 60=$60,000
First number = uninsured motorist maximum for one person injured in an accident.
Second number = uninsured motorist maximum for all injuries in one accident.

New Jersey Auto Insurance FAQ
This coverage comes into play when an at-fault driver has auto or motorcycle liability insurance,
but the limit of insurance is inadequate to pay for your damages.

Underinsured Motorist Bodily Injury Coverage
This type of auto insurance coverage pays for your medical expenses, lost wages, and other
damages when you or your passengers are injured in an accident caused by a driver who has
insufficient auto or motorcycle insurance coverage. The auto insurance coverage typically pays
the difference between the coverage limit you select and the other driver's bodily injury coverage
limit. This is not a required auto insurance coverage in New Jersey.
Underinsured Motorist Property Damage Coverage
Protects you if your auto is damaged in an accident caused by a driver who has insufficient auto
insurance coverage. This coverage pays the difference between the coverage limit you select
and the other driver's property damage coverage limit. This is not a required auto insurance
coverage in New Jersey.
New Jersey Auto Insurance FAQ
Click on the link below to fill out a secure online quote request form for a Morris County, NJ area
Auto Insurance policy that will provide excellent auto insurance coverage at an affordable cost.
Or you can speak with our New Jersey Auto Insurance agent specialist at (973) 584-5850 to
discuss the features.
Having a teenager included on your New Jersey auto insurance policy will always cost substantially
more, but there are ways to reduce the premium increase.
The best cars for teen drivers are slower, bigger cars with a lot of safety features. Teenager's are
more prone to accidents, especially ones caused by speeding. A disproportionate number of
teenage car accidents involve only one vehicle.
Make sure your teen drives safely. One speeding ticket or fender-bender can send your
teenager's auto insurance rates sky high. Require that they take a drivers education class at their
high school or local DMV.
Good student teen driver insurance rates can save up to 25% on your teenager's auto insurance if
a "B" average is maintained.
Assuming your teen keeps a good driving record, the cost of insuring them will decrease as they
get older.
Auto Insurance endorsements are policy extras for services such as towing insurance, auto glass
insurance, daily rental insurance, and emergency roadside insurance.
These auto insurance policies are not required by any state, but many drivers choose these
services for the added security and convenience they provide.
New Jersey Rental Car Insurance
Covers the cost of a rental car while your insured car is being repaired because of a covered
event.
New Jersey Emergency Roadside Insurance
Covers repairs done at the location of your automobile problem (roadside). This policy is often
combined with auto towing coverage and called Roadside Emergency Towing Insurance.
Changing a flat tire on the roadside may also be covered, but you will need to pay for repairs
received at the garage or other repair location.
New Jersey Auto Glass Insurance
Offers a lower deductible or no deductible for when repairing any broken window on your car is
required.
New Jersey Auto Towing Insurance
Covers costs involved for towing your car anytime you need it.
What information is listed in the actual auto insurance policy that you are given by the
insurance agent? Learn about the different important sections in every auto insurance policy
below.
Declarations
Usually listed first in your auto insurance policy and unlike the remainder of your policy, it will
have been prepared especially for you. It will list the specific auto insurance coverages and
amounts that you've chosen.
year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
Insuring Agreement
Lists exactly what the insurance company promises to provide in return for the payment of your
auto insurance premium. The type and amounts of each coverage you've purchased is
described in detail and also outlines exactly who is covered under each provision.
Exclusions
The insurance policy exclusions section is a list of all possible circumstances that would free the
insurance company from the responsibility of paying a claim.
Example: most auto insurance contain an exclusion that exempts the insurance
company from having to pay in the case of intentionally caused damage or injury.
Conditions
Lists the duties and responsibilities of the insured (You) in the event of a claim situation. Will include
guidelines for contacting the insurance company, obtaining a police report, and filing a claim.
Information on auto insurance policy cancellation will be outlined here, too.
Click on the link below to fill out a secure online quote request form for a New Jersey Auto Insurance
policy that will provide excellent auto insurance coverage at an affordable cost. Or you can speak
with our New Jersey Auto Insurance agent specialist at (973) 584-5850 to discuss the policy
features in more detail.
If you have an older car, you can lower your New Jersey auto insurance premium by reducing or
dropping your collision or comprehensive coverages. Cars being sold today are much more costly to
repair, just ask your auto mechanic the next time you see him. If you damage your older car in a car
accident, it's likely that your repair costs will be lower than those for a newer car with similar
damage. The amount of New Jersey auto insurance premium that goes toward that coverage option
is only slightly reduced for older cars than for newer ones. You can usually save some premium by
taking on a small amount of risk.
Lower Auto Insurance Premium - Increase Your Deductibles
Auto insurance premiums are based on the amount of coverage you have, and the deductible you
must pay before an insurance claim is paid. Auto insurance deductibles usually range between $100
and $1,000. A lower deductible raises the premium amount, and a higher deductible will lower your
monthly New Jersey auto insurance premium.

You should consider setting your deductible at an amount that you are comfortable with. Determine
the amount that you could afford to spend on your car in any given month if you had an accident. The
amount that won't prevent you from paying all your bills is a good amount for an auto insurance
deductible.

Remember though, if you have an car accident, the deductible you've chosen must be paid before
the insurance company will pay for your repairs, and there can be hidden costs in a car accident.
For example, your New Jersey auto insurance policy may not pay the cost of a rental car while your
car is being repaired.
Low-Mileage Discounts
The more miles you drive, the greater the chances of being involved in an accident. Most auto
insurance companies offer discounts to drivers who keep the number of miles they drive each year
under 10,000 to 12,000 miles.
Moving Violations
Most automobile insurance companies provide discounts to drivers who have not had a moving
violation in the past 3 years. Insurance companies consider speeding tickets and accidents the most
serious moving violations which have an impact on your New Jersey auto insurance premiums.

Review your driving record prior to shopping for New Jersey auto insurance. You may want to
consider holding off on buying new auto insurance if you have a moving violation which can be
removed from your records within a short period of time.
Reduce Auto Insurance Premium - Fewer Accidents
Auto insurance companies want to insure the best drivers. Safer drivers have fewer accidents,
fewer speeding tickets, and make fewer claims. Every time you are involved in an auto accident or
a moving violation, the state where you are licensed assesses points to your driving record. Auto
insurance companies limit their risk exposure by charging higher premiums to drivers who have
more points on their driving records. Convictions of driving under the influence of drugs or alcohol is
often viewed as much more serious than a speeding ticket or a car accident by insurance carriers.

If you think that you apply for good driver rates, be sure to ask companies when you are shopping
for auto insurance what their "good driver" discounts are. Compare that price to the good driver
rates of other companies, to help determine what the best New Jersey auto insurance policy is for
you and your family.
Click on the link below to fill out a secure online quote request form for a Morris County, NJ area
Auto Insurance policy that will provide excellent auto insurance coverage at an affordable cost. Or
you can speak with our New Jersey Auto Insurance agent specialist at (973) 584-5850 to discuss
the insurance policy features in more detail.
Reduce Auto Insurance Premium - Anti-Lock Brakes
Anti-lock braking systems help prevent car accidents by shortening stopping distances on wet
and dry surfaces. Most car brakes without anti-locking mechanisms will lock if the driver slams
the brake pedal, which can cause hydroplaning in wet conditions or skidding on dry surfaces.
The proper way to avoid this is to pump the brakes. People are limited in the speed with which
they can pump a brake pedal, so anti-lock brakes do the pumping for you and improve safety.

Auto insurance companies want to reduce the chance that their policy holders will have a car
accident. The auto insurance discounts offered are another incentive to buy cars equipped with
anti-locking brakes.
Multiple Insurance Policy Discount
Many auto insurance companies will offer lower premiums if you have multiple insurance policies
with the same company, or multiple vehicles insured under the same policy. This works
differently depending on which specific insurance company you are dealing with.

Insurance companies will offer discounts if you purchase a homeowners insurance policy or an
umbrella insurance policy to go along with your New Jersey auto insurance policy.
**The information, pictures, and other content in this website about particular insurance services is only
provided for informational purposes. Any decisions regarding your insurance needs should be discussed
with a licensed insurance agent.

Please be advised that insurance coverage cannot be bound, changed or confirmed via voicemail, email,
fax or online at the agency's website. You must speak directly with a licensed insurance agent.
( also CT, PA & NY )
W.R. McClure
Insurance Services
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enough to maintain personal relationships.
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W.R. McClure
Insurance Services, Inc.
230 Route 206
Building 1 - Suite 8
Flanders, New Jersey 07836
Morris County, NJ
Office: (973) 584-5850
Fax: (973) 584-3440

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(973) 584-5850
Honesty Is The Best Policy
This holds true for providing accurate information to your New Jersey auto insurance carrier.
Don't think that little white lie won't come back to harm you with a denied claim, a canceled
policy or legal troubles.
Most New Jersey auto insurance policies allow for cancellation or non-renewal if you intentionally
fail to disclose information necessary to correctly underwrite and rate an auto insurance
application. You can find that information typically in the policy info mailed to you that you
probably don't read completely.
A few most often falsehoods given by people to reduce their auto insurance rates, enhance their
medical claim, or are told to insurance agents after an accident.
I only drive a couple of miles to and from work.
Your claim can be denied if the insurance company determines that you drive a significantly
longer commute for work each weekday than what they were told. This could make you
responsible for all damages in an auto accident.
I'm the only one that drives my car regularly.
If a person not listed on your New Jersey auto insurance policy drives your car on a regular
basis and gets into an accident, your rates can go up. Depending on the circumstances of that
accident, this falsehood can make it appropriate for the insurance carrier to not pay your auto
insurance claim. Also, auto insurance coverage rates are based on where you live and park the
car or truck being insured. Inaccurate information given to the insurance carrier to get cheaper
rates can get your New Jersey auto insurance policy cancelled.
I put on my turn signal before I changed lanes.
I wasn't speeding. / I stopped completely at the stop sign.
Witnesses to your car accident who give a different story of the events than you can lead your
insurance carrier to partially or completely charge you with fault for the accident. Honesty is the
best policy!
I need massage therapy for injuries related to my accident.
If a massage therapist isn't clearly related to your auto insurance claim, your medical expense
can be denied and can prompt a fraud investigation. Insurance carriers have medical experts
that do nothing else but varify or not varify such medical claims.

Other falsehoods such as attempting to pass off old damage as new damage or failing to
mention the use of your car for business purposes, can lead an insurance company to
rejecting your claim and cancelling your New Jersey auto insurance policy.