What Did They Sell You
Car Crash

More and more people are driving while distracted, especially texting while driving, making our roads more and more dangerous!

Distracted driving contributes to up to 8,000 crashes every single day!

Are you and your family protected when if you get in a car crash? Insurance companies are spending hundreds of millions of dollars trying to convince you to buy car insurance from them. Their advertisements are clever, funny and try to create a feeling of trust – but what did they sell you?! Understand your car insurance policy before something happens.There are many types of losses that can be covered by your car insurance policy. Please click on each area so that you’re familiar with what kinds of losses you can protect you and your family from:

• Bodily injury liability
• Property damage liability
NO THRESHOLD, Lawsuit Threshold, Verbal Threshold, Limitation on
  Lawsuit Option - What is this?
• Personal Injury Protection (PIP), including Medical payments
• Uninsured/Underinsured motorists coverage (UM/UIM)
• Collision and/or Comprehensive

State of New Jersey websites regarding car insurance:

-Everything You Wanted to Know About Auto Insurance, But Were Afraid to Ask, from NJ Dept. of Banking and Insurance: http://www.state.nj.us/dobi/division_consumers/pdf/everythingauto2006.pdf

-Controlling the Cost of Auto Insurance from NJ Dept. of Banking and Insurance:
http://www.state.nj.us/dobi/division_consumers/insurance/checkit.htm
WARNING!! this link includes inaccurate and deficient advice about the lawsuit option. Our government claims that you can save money “by choosing the Limited Right to Sue (Limitation on Lawsuit Option), which limits suits for pain and suffering except in cases of death or permanent injury.” This advice is misleading and incomplete, but greatly increases the profits of the politicians’ wealthy insurance industry friends. Don’t buy this garbage for you and your family – we certainly don’t.

 

Andrew Garruto