Auto Insurance

At North Jersey Insurance Group, we understand that every driver’s needs are unique, which is why we customize our auto insurance policies to match your lifestyle, vehicle, and budget. Even if your driving record is less than perfect, we work diligently to help you find competitive rates without sacrificing protection. Our mission is to make sure you're never paying more than you need to, while still receiving coverage that stands strong when you need it most. As your independent agency, we shop multiple providers on your behalf and deliver options that fit your goals.

Types of Coverage

Liability
Covers bodily injury and property damage to others resulting from an at-fault accident. This includes medical expenses, legal fees, lost wages, pain and suffering, and repairs to other vehicles or structures. Liability coverage is required by law and can be increased for additional protection.

Collision
Pays for damages to your vehicle caused by impact with another vehicle or object, regardless of fault. This is especially useful in accidents like rear-end collisions or hitting a pole.

Comprehensive
Covers non-collision-related damage such as theft, fire, vandalism, natural disasters (like wind, hail, or floods), or falling objects. It protects against unexpected events not involving another car.

Medical Coverage
Pays medical expenses for you and your passengers after an accident, regardless of who was at fault. It can help cover emergency care, hospital stays, and treatment.

Personal Injury Protection (PIP)
Required in New Jersey, this coverage pays for medical treatment, rehabilitation, and lost wages due to injuries sustained in a car accident, no matter who was at fault.

Uninsured Motorist
Protects you when you're involved in an accident caused by a driver who has no liability insurance. It helps cover damage to your vehicle and injuries to you and your passengers.

Underinsured Motorist
Helps when the at-fault driver’s insurance is not enough to cover your expenses. This coverage bridges the gap so you're not left paying out of pocket.

Rental Reimbursement
Pays for a rental car while your personal vehicle is being repaired due to a covered accident. This benefit typically includes a daily allowance to keep you on the road without interruption.