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Auto Insurance Information
Auto Insurance in Fairfield and Clifton, NJ
Protecting Drivers in Woodland Park and throughout Northeastern New Jersey against Risk
From damage to a car that results from a reckless driver to theft that results from an opportunistic individual, the risks that drivers face are many. These risks can be costly, and this is one reason why drivers need protection. Insurance provides necessary protection, and at Allwood Forlenza Insurance Agency we have a complete auto insurance program that mitigates every risk and that is flexible.
Through our program we write customized and cost-efficient solutions for New Jersey drivers. New Jersey drivers live in bustling areas, and they face varying risks for this reason. We know their risks, and we also know and understand their needs. This is why we’ll not only be able to provide you the best possible insurance but also the greatest experiences.
Auto Insurance Coverage Details
New Jersey has minimum insurance coverage requirements for all drivers, but we recommend that all drivers get insurance that far exceeds these requirements. We'll work with you so that you get the coverage that you need and so that you pay for only what you must. If your car is leased or financed, you’ll be required to carry comprehensive and collision coverage. We’ll help you find these and other coverages if you need them.
The coverages from which you can choose include but are not limited to:
Uninsured & Underinsured Motorist Coverage
Minor Violation Forgiveness
Specialty Auto Insurance
24-Hour Customer Service
Personal Injury Protection (PIP)
Mexican Auto Insurance
Medical Payments Coverage
We can bundle auto insurance with homeowners, renters, or condo insurance. If we bundle your auto insurance with another type of insurance then you can save time and money. Speak with an agent to learn about how we can do this.
Caring, local Agents keeping you secure
Whether it’s rental reimbursement, towing coverage, accident forgiveness, and/or loan/lease gap coverage that you need, we’ll provide it. We’ll help you create a solution that fits, and once the solution that we help you create is in place, we’ll monitor it regularly.
We’ll intervene in claims if necessary, and if we do intervene we’ll work with insurance companies in order to get you what’s deserved. You can count on us to not only give you the right insurance but to fully support you.
Contact us or give us a call today. You can start on a policy by requesting a quote.
Additional Auto Insurance Information:
·New Jersey Auto Insurance Information and Resources (The State of New Jersey Department of Banking and Insurance)
·Auto Insurance Shopping Tool (The National Association of Insurance Commissioners (NAIC))
·New Jersey Auto Insurance Details and Resources (DMV)
At Allwood Forlenza Insurance Agency we’re proud to provide car insurance in Woodland Park, Clifton, Fairfield, Wayne, Little Falls, and Parsippany, NJ. We also serve other areas in the state and we serve all other states.
Common Auto Insurance Questions:
Auto insurance is a promise of financial assistance. By buying a policy, a driver agrees to pay the insurer, who in turn agrees to provide payment and other support to the driver in the event of unexpected, unavoidable vehicle accidents or other problems. With it, drivers will be reassured that they can recover from such challenges with minimal personal financial losses.
Any challenge or damage involving your vehicle could get very expensive, and it’s only natural to worry whether you will be able to afford such costs. Auto insurance will guarantee that you can. You can file a claim against this policy for accident costs and other losses for which you are responsible. The policy then pays a certain amount of money to aid you in your recovery costs.
Quality auto insurance will minimize your personal financial losses for such problematic losses, and you’ll be able to recover from these issues without costing yourself an arm and a leg.
The average auto insurance policy can offer numerous benefits, including:
Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:
The minimum amount of New Jersey auto insurance coverage is $15,000/$30,000/$5,000. In the event of a covered accident, your limits are:
Bodily Injury Liability Coverage: Minimum coverage level is $15,000 per person and $30,000 per accident
Property Damage Liability Coverage: Minimum coverage level is $5,000 per accident
Personal Injury Protection (PIP): Minimum coverage level is $15,000
Uninsured/Underinsured Motorist Bodily Injury Coverage: Minimum coverage level is $15,000 per person and $30,000 per accident
Uninsured/Underinsured Motorist Property Damage Coverage: Minimum coverage level is $5,000 per accident with a $500 deductible
Drivers who have financed their vehicles might also be required to purchase collision, comprehensive, gap or other physical damage insurance in compliance with lender rules.
It is highly recommended that you carry more than just a minimum level of auto insurance on your policy, and we are the experts who can help you determine precisely which coverage is best for you.
Numerous factors can influence the cost of your auto policy, including:
Your chosen coverage limits
The value of your vehicle
Your driving accident history
It is possible for two drivers to have identical policies, but still pay different prices for them. However, we’ll make sure that we search our carrier network to help you find the policy that will offer you the most optimized price level for the benefits of your choice.