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If you’re a driver in the Garden State, auto insurance is not optional – it’s mandatory. All drivers must carry a minimum level of liability coverage in order to legally operate a vehicle on New Jersey and Pennsylvania roads.

Auto insurance policies typically fall into two categories: liability coverage and collision coverage. Liability coverage protects you financially if you are found at fault for an accident that causes damage or injuries to another person. Collision coverage, on the other hand, pays for repairs to your own vehicle if it is damaged in an accident, regardless of who is at fault.

Additional coverages are available for purchase as well, such as personal injury protection (PIP), which covers your medical expenses and lost wages regardless of who is at fault for an accident; and uninsured/underinsured motorist protection (UM/UIM), which covers your damages if you are hit by a driver who does not have insurance or does not have enough insurance to cover your losses.