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Buying The Cheapest Car Insurance Is Never A Good Idea

Buying The Cheapest Car Insurance Is Never A Good Idea

In general, the world of insurance can be very complicated and confusing. This is especially true considering car insurance. Car insurance coverage varies greatly from person to person, depending on the coverage that one selects. We are bombarded with advertisements daily, that tout the lowest car insurance rates. Many drivers purchase the least expensive insurance available (with the least amount of benefits) in order get their vehicle on the road legally. Drivers should be aware that the coverage they select protects them. The more coverage you have, the greater the benefit to you.

Because New Jersey has a “no fault” law, your property damage, medical bills and wage loss may be covered by your own insurance company. Select as much as you can afford. The most important lesson that many New Jersey drivers learn (usually after it is too late) is that they failed to purchase enough insurance to protect themselves and their families.

In addition, some car insurance coverage is triggered when a driver is at fault. This is called Liability Coverage. One can never assume that the driver who causes the accident will have adequate insurance (if any at all). Drivers who do not carry enough Liability Insurance could be placing their assets at risk.

Fortunately, New Jersey insurance companies are required to offer “Uninsured and Underinsured Motorists Coverage.” This coverage will protect you if the other driver has no insurance (Uninsured) or not enough coverage to satisfy your claim (Underinsured). Therefore, it is extremely important that you purchase as much car insurance coverage as possible. New Jersey car insurance companies are required to offer Uninsured/Underinsured Motorist coverage equal to the amount of Liability Coverage that you select. This coverage protects everyone in your household. This coverage may even follow you if you are in a car that you do not own.

No one leaves his or her home expecting to be involved in a car accident, but it happens all too often. Remember that you are not merely purchasing an insurance card to make your vehicle “legal,” you are purchasing protection for you and your family. Always select as much coverage as you can afford and always consult an attorney that is experienced in insurance and personal injury.

Please contact us at 856-686-3543  for a free consultation in the event you need legal advice involving automobile insurance coverage questions.

– Donald Caruthers III

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Joseph J.  Hoffman, Jr. Attorney Photo
Joseph J. Hoffman, Jr.
Senior Partner

For more than 40 years, Mr. Hoffman has protected the interest of his clients through diligence and hard work on legal matters, both large and small. An honors graduate of Rutgers University Law School and a native of Gloucester County, Mr. Hoffman has won numerous accolades for excellence in the practice of law.

Kenneth A. DiMuzio, Sr. Attorney Photo
Kenneth A. DiMuzio, Sr.
Senior Partner

An attorney with over 45 years of professional experience, Mr. DiMuzio concentrates his practice on personal injury and workers’ compensation matters. A graduate of Georgetown University Law School and a native of Gloucester County, Mr. DiMuzio has been honored time and again for his professionalism and ethics in the practice of law.

Ernest L.  Alvino, Jr. Attorney Photo
Ernest L. Alvino, Jr.
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About Ernest L. Alvino, Jr. concentrates his practice in the area of workplace injuries; construction accidents; product injuries; trucking accidents; auto injuries; medical negligence and crime victim advocacy. Ernie is a lifelong Gloucester County resident, living in Mullica Hill with his wife and children. Ernie worked his way through school as a Teamster and construction…

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Jeremiah J. Atkins
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About Mr. Atkins joined the firm of Hoffman DiMuzio in February 2010. Mr. Atkins represents individuals and corporate clients in commercial and employment litigation. Mr. Atkins’ practice covers a wide variety of employment-related matters before New Jersey State and Federal courts, with a focus on discrimination, retaliation, sexual harassment, family leave and whistleblowing claims. Mr.…

Peter J. Bonfiglio, III Attorney Photo
Peter J. Bonfiglio, III
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About Mr. Bonfiglio concentrates his practice in the area of municipal court with an emphasis on defense of individuals charged with driving while intoxicated and/or refusal to submit to a breath test. Pete resides in Gloucester Township, Camden County with his wife and two of his three children.  In addition to his law practice, he…

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