I hate it. I got a beat up old car that this stupid car insurance companies in Newark, New Jersey would not insure. Is that even legal?

Elaine

Newark, NJ

Easy girl, easy. I totally understand where you are coming from and I empathize with you, as a matter of fact. Did that auto insurance agent even tell you the reason why they are declining your application for an auto insurance coverage? Why don’t you go back to the auto insurance company that you contacted and talk to the agent? Ask him the reason he wouldn’t give you one. There are a lot of reasons why someone might be denied car insurance coverage. It suddenly crossed my mind that maybe your old beat up car is not the reason you are getting denied because I’ve heard of some people who were not given coverage because of their very poor driving record. If you’ve been getting into accidents all over the place and have been making claims all the time, the car insurance companies would hesitate to insure you since you’re classified as a high-risk driver, which entails a higher likelihood of them shelling out money. However, what you can do is ask around for vehicle insurance companies there in Newark, New Jersey that will take on higher-risk drivers. You might be asked to pay higher premiums, but then again, it’s better than driving around without coverage.

I’ m about to get my own car and I’m currently planning to get automobile insurance, too. I’m wondering how to go about this since I am still living with my family here at Jersey City and my brother would most likely borrow my car every once in a while. Do I need to insure him as well?

Gian

Jersey City, NJ

Hi Gian, it’s good that you are also thinking about the welfare of your brother, and it’s nice that you are open to sharing your car with him. Have you selected any insurance company yet there at Jersey City, NJ? It would be best if you do research first before signing any papers so that you know what you’re getting into.

First of all, you need to know that your brother also needs an auto insurance policy, especially if you’re expecting him to drive your car. Every driver has to be insured because part of a driver’s responsibility is its liability to others in case there’s a road mishap. You may also have to list all the possible drivers of vehicle, especially those to whom your car would be “regularly available.” This may include every member of your family who is of legal age, whether with a driver’s license or with a learner’s permit. This is mainly due to the fact that premium computations are based on different factors such as the number of drivers of your vehicle and their respective ages. However, if you are getting a comprehensive, third party property motor vehicle insurance, there is no need to list the drivers who have learner’s permits as that data wouldn’t be necessary.

Jenny here. Just moved here to Newark, NJ. I got engrossed with fixing stuff, buying things for the house and all that that I did not notice that my car insurance lapsed. Can I still get a new auto insurance? is that going to be a huge problem?

jenny

Newark, NJ

Greetings, Jenny who fixes stuff and buy things and forgets about the car insurance. of course, you can still get a new car insurance, providing, of course, that the car was not totaled and was sitting in the garage when the insurance expired. If so, getting a new insurance would be much harder. But if that is not the case, getting insurance will be comparatively easier. it would take a few more steps than usual, tap dancing here and there, but it can happen. Some companies have slightly differing rules when it comes to insuring a lapsed “insuree.” Some companies would have a waiting time before they cover you. For example, some companies would need 30 days before giving you a quotation. A company with this rule would probably use this time to verify first what type of customer you would be. They would check if you pay your premiums on time, if you’re habitually late.

Background check, those kinds of stuff. business is business. Car insurance insure cars, that’s what they do. You have an insurable car, you sound like a responsible motorist, you will be insured. Look around Newark, NJ, I am pretty sure lots of companies would love to do business with you.

I have auto insurance coverage here in New Jersey, and I have some members of my family that can drive included in the policy, as well. Now, if a member who’s not listed there gets in an accident, what’s going to happen?

Armand

Edison, NJ

Now, this is going to depend on the details of your auto insurance policy, the fine prints. Some auto insurance companies would automatically include all the members of your household on your policy. That way, if somebody gets in an accident like in the situation you gave, he or she will be automatically covered by the policy. This is very convenient. Now, there are other auto insurance companies that would ask you to list down all the members of your family that can drive and explicitly include them in the auto insurance policy. It would have to be explicit. The ones not listed in the auto insurance policy will not be covered. Again, we have to stress the importance of reading and understanding the policy. Or you can ask your auto insurance agent in New Jersey about this.

However, just to be really sure about this, make sure that you include everyone in your household that can drive. I think anticipating the ones that will be getting their driver’s license within the policy period will be a good idea. Ask your insurance agent about this type of inclusion. This may raise your auto insurance premium a bit because you will be including a teenager or somebody with minimal driving experience in your auto insurance policy, but this will make sure that everyone in your family or household will be covered by your auto insurance policy.

Tags: auto insurance policy, auto insurance premium, Car Insurance Company

Just curious –If my car was totaled, how much can I get for it from my car insurance company here in East Brunswick, New Jersey?

Bill

East Brunswick, NJ

A lot of car insurance companies, although sadly not all, will give an insured person a reasonable quote, so that you can have your totaled car replaced, but, of course, it will be stupid to expect that you’d get enough money to buy a Ferrari when what you’ve totaled was a Ford, for instance. Your insurance will only pay up to the amount that will be able to replace the car with one of the same kind and condition, most probably.

And just in case you want to know, although it can be estimated that a totaled car’s salvage value can by anywhere from 10 percent to 15 percent at the time of accident, auto insurance companies will be considering a lot of factors, from the car’s condition before the accident happened, to resell prices. There is no definite formula to compute a totaled car’s salvage value until the time it was actually totaled. A person from the insurance company will also examine the wrecked vehicle. Apart from a lot of factors, different car insurance companies also have different methods of computing, which only goes without saying that this may vary widely from state to state. I’d contact my auto insurance agent there in New Brunswick, NJ, if I were you. Tell him to explain stuff to you. It’s his job to make sure that you are informed.

Tags: auto insurance claims, Car Insurance Company

How can I find an affordable SR22 car insurance here in New Jersey? Can I get it online?

Anne

Elizabeth, NJ

The best ways to find great SR22 insurance rates is by doing a search online. There are many car insurance companies that also specializes in SR22 insurance policy which provide affordable SR22 insurance rate quotes and information.

One of the advantage of online SR22 insurance websites is the convenience it offers to those looking for this type of policy, because you no longer have to go to an office to file for an SR22 application. Several online SR22 insurance companies would even let you obtain an SR22 insurance policy without having to call any number since most transactions can be completed on the Web. This will let you get your license reinstated in no time.

In New Jersey, like in most states requiring SR22 insurance, would not reinstate your drivers license unless you fulfill this requirement. Most people would agree that not being able to drive their vehicles to work can be a big trouble, or even a downright nightmare. If you are able to find an insurer that can provide you this type of insurance Finding the right insurance company and right coverage is what should matter.

I’ve found my good sources of car insurance for women drivers in New Jersey but why is it usually offered at cheap rates? Should I be cautious about these?

Rosemarie

Trenton NJ

With the advent of women empowerment, it is just practical for companies of any industry to cater to the needs and desires of women now that they have an equal voice with men in our society. Shopping malls are creating women’s clubs, offering fabulous discounts and prices to their female clients and slashing down prices or adding additional benefits on all women-related items such as jewelries, cosmetics and lingeries. Credit card companies have also designed their cards to suit their female clients and further offering great benefits or rewards to salons, restaurants and spas.

In the past, women have been facing discrimination in certain areas of their lives. But now, they have an equal treatment as the males in various companies in the world. Thanks to the companies who have taken the feminist approach in their products and services.

New Jersey car insurance companies should not be left behind. A few of these companies are now offering car insurance for women drivers, taking extra effort to know and understand the needs and the nature of their women clients.

Generally, car insurance for women drivers are cheaper than those offered to men. Women drivers could enjoy discounts in their car insurance while they are young until during their mid-40’s when car insurance rates level off. Car insurance for women drivers are usually cheap because car insurance companies generally base their insurance rates on various government statistics showing that women are able to drive their cars more safely and carefully than men. Additionally, women tend to drive shorter distances than men.

Statistics also show that traffic and road offenses are almost always committed by men. Men also tend to commit reckless and dangerous driving than women.

Lastly, even though women are more prone to accidents than men, studies show that damages committed by women are minimal as compared to those committed by men.