Auto Insurance Companies New Jersey
Filed under: New Jersey auto insurance companies, New Jersey auto insurance quotes
Reader’s Question:
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.
Auto Insurance New Jersey
Filed under: New Jersey auto insurance companies, New Jersey auto insurance quotes
Reader’s Question:
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.
New Jersey Auto Insurance Quotes
Reader’s Question:
My 25 year old son carried his girlfriend on his car insurance policy for 3 years. So they were no longer together and he remove her off his car insurance policy. No my son lives in Newark, New Jersey. Now he is looking for car insurance but these car insurance companies are asking him to add her to his car insurance policy otherwise he needs to prove that they no longer together. What is that about?
Marion
Newark, NJ
Car insurance companies usually check consumer report. This report will show any possible household members for a certain residence. This is probably the reason why your son is being ask by car insurance companies to list her or prove that she no longer reside with the same household. Your son may need to see what he can do to take her off as a resident from this report.
When insurers pull reports, they have to provide you the phone number to the reporting agency so you can change or correct the information.
There are some insurers that will ask about possible household members. They sometimes just accept the word of the policyholder. If the policyholder provide incorrect information, it is grounds for the insurance provider to “void” the car insurance policy.
Now, if your son is still searching for New Jersey auto insurance, he can shop for online car insurance quotes here.