| Thanks to the Automobile Insurance Cost Reduction | | | | coverage. However, collision coverage and |
| Act, New Jersey drivers are able to buy a basic car | | | | comprehensive coverage can be added on, |
| insurance policy in New Jersey - and what's cheaper | | | | depending upon how the basic car insurance policy |
| than purchasing the most basic car insurance policy | | | | was issued. |
| available? | | | | As you can see, the basic car insurance policy in New |
| The Automobile Insurance Cost Reduction Act | | | | Jersey, although it's the cheapest car insurance in |
| makes it possible for drivers to get cheap car | | | | New Jersey, offers very minimal coverage; however, |
| insurance in New Jersey by offering them a policy | | | | it does offer important coverage, as well as additional |
| even cheaper than the standard car insurance policy. | | | | features. Those drivers with the basic car insurance |
| The basic car insurance policy includes personal injury | | | | policy in New Jersey have the right to take legal |
| protection of $15,000 per person, per accident, and | | | | action in the event of a motor vehicle-related |
| $250,000 per significant or permanent injury. | | | | accident, whereas those drivers without any |
| However, the latter depends on the policy definitions. | | | | insurance don't have that right. |
| It also includes property damage liability of $5,000 per | | | | The basic car insurance policy isn't for everyone. |
| accident. | | | | Those drivers who choose to obtain cheap car |
| Bodily injury liability isn't included in the basic insurance | | | | insurance in New Jersey by purchasing the basic car |
| policy, but it's an option. If a policyholder chooses to | | | | insurance policy should do so only if they don't have |
| add bodily injury liability, the policyholder will have | | | | much family responsibility, they are just starting out |
| $10,000 for everyone, per accident. | | | | in the work force, it is the first car insurance policy |
| Uninsured motorist and underinsured motorist | | | | they've ever purchase, or they can't afford any |
| coverage aren't available with the basic car insurance | | | | other car insurance for whatever reason. |
| policy, nor is collision coverage or comprehensive | | | | |