Understanding Automobile Insurance In The Garden State

By: Michael J. Deem, Esq. of R.C. Shea & Associates

New Jersey offers two types of automobile insurance policies that may be purchased: a Standard Policy and a Basic Policy. A Standard Policy provides liability, uninsured motorist, and personal injury protection (medical) coverage. A Basic Policy only provides personal injury protection (medical) coverage limited. Protect yourself and choose the standard policy.

Liability Insurance insures you against claims made by others for the property damage or personal injury you caused while operating your vehicle. Liability Insurance protects you from paying money to someone from your own pocket. Your insurance coverage will pay any monetary damage that you are required to pay to someone else but only up to your insurance policy limits. Choose your liability policy limits wisely. Most people choose liability coverage of $100,000.00, but I recommend choosing at least $250,000.00 of liability insurance. The additional cost is usually nominal.

Personal Injury Protection coverage is also known as “PIP” or “No Fault” Insurance. The “No Fault” concept means that your automobile insurance will provide you with personal injury protection insurance (PIP) coverage regardless of fault. In other words, it does not matter who caused the car crash. As long as you were operating, using, or getting in /out of an

Leaders:

Continued From Page 5 together and advocate for many efficient and effective school districts right here,” Farrell said.

He said he presented his white paper report to local legislators and local media and “details how the state should pay for the local fair share for each community.” Farrell called the current funding formula a complicated and unfair process and inequitable for many school districts “down this way.”

Vicari said Farrell’s information was shared with each commissioner. “These cuts will not only be devastating to Brick but all the

Michael J. Deem, Esq.

automobile at the time of the injury then you are covered. The “No-Fault” concept does not mean that the other driver is responsible for your medical bills. Protect yourself and choose the standard $250,000.00 in PIP Medical Expense Benefits.

Uninsured /Underinsured Motorist Coverage (UM / UIM) protects you against financially irresponsible drivers. Sometimes people operate their vehicles without insurance coverage or with only very little insurance coverage, like those who operate their vehicle with a Basic Policy which was discussed earlier. If you sustain property damage or bodily injury and the person responsible does not have enough insurance to cover your loss, then you can file a claim with your insurance company under your Uninsured /Underinsured Motorist Coverage. This coverage protects you and your family by providing additional insurance coverage for your loss, but only up to the policy limits that you choose. UM/UIM insurance coverage should never be less than your liability coverage. Most people choose liability coverage of $100,000.00, so your UM/UIM coverage should equal your liability coverage.

At R.C. Shea & Associates, our automobile insurance attorney, Michael J. Deem. Esq. is here to help you with your automobile insurance questions. Please give him a call.

districts included. The test grades for these districts are high, they aren’t failing. The students are graduating. They are doing a good job in not only providing a quality education. People move to Ocean County because of educational programs of our schools. We have excellent school systems. I worked in Brick for many years. I have faith in the system. The state has a $10 billion surplus and with the stroke of a pen, the governor of New Jersey could make a difference and make a change.”

The director said, “we want fairness. Why should someone who lives in north Jersey gets two or three times as much. It’s just not fair and it’s not reasonable. We want equity stated by the New Jersey State Constitution.”

Notice Of Meeting For The Board Of School Estimate Of The Ocean County Vocational School District

PLEASE TAKE NOTICE, that the meeting of the Board of School Estimate of the Ocean County Vocational Technical School District is scheduled for Wednesday, April 5, 2023 at 3:15 p.m., in the Ocean County Administration Building, 101 Hooper Avenue, Room 304, Toms River, New Jersey, for the purpose of reviewing and approving the proposed budget for the Ocean County Vocational Technical School District for the 2023-2024 school year. Formal action will be taken at this meeting.

Frank J. Frazee, CPA Secretary, Board of School Estimate