Reader’s Question:
I bought a new car here in Patterson, NJ. Of course, I’m going to need auto insurance. Can anybody tell me anything about auto insurance? I am new at this. Which type of insurance is best?
Daisy
Patterson, NJ
Hi, Daisy. I will not tell you which type of coverage to get or tell you everything you need to know, I’d be writing a book if I do that. I’d tell you a few things to start you off, but you have to contact an insurance agent in Patterson, NJ, to really know more.
First, there is liability insurance. This type of insurance is required by all states. This type pays for the damage you do when you hit someone or something. Then there’s collision coverage. This one pays for the damage you do to your own car. Another is comprehensive coverage. This one handles damages not caused by a car accident like if your car gets stolen, vandalized, catches fire, etc. Then there’s one that covers medical bills due to car accidents. This covers you even when you’re driving someone else’s car. This even covers your loved ones’ medical bills. Uninsured coverage makes sure that you are taken care of when you are struck by someone who is not insured. I know that this is a rather simplistic way of discussing insurance policies that is why it is important for you to contact your insurance agent to know more and be able to come up with an informed decision.