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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. What Auto coverages am I required to carry in NJ?
  2. If I lend my car to a friend or family member is he/she covered?
  3. Do I have to insure my home for it's market value?
  4. Do I have coverage for trees that have fallen on my property?
  5. I live in a condo. The unit directly above mine had some sort of water leak, and my ceiling fell down. Who is responsible?
  6. Do I have to add my son/daughter to the policy...they barely drive the car?
  7. Do I have coverage through my home owners policy for FLOOD DAMAGE?
  8. Do I have coverage for money and securities through my home owners policy?
  9. My laptop was stolen from the front seat of my car. Can I file a claim through my auto policy?
  10. Someone let their shopping cart go, and it hit/dented my car. Is that a comprehensive claim?
What Auto coverages am I required to carry in NJ?
There are 3 required coverage's in the state of NJ. Liability, Personal Injury Protection or PIP, and Uninsured/Underinsured Motorist Coverage.
 
If you lease or finance your vehicle, your bank may require that you carry Comprehensive & Collision on that vehicle.

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If I lend my car to a friend or family member is he/she covered?
The liability limits that you have chosen on your policy will extend to anyone whom you have given permission to drive your vehicle. We suggest you call your agent before you let anyone who is not a rated driver on your policy use one of your vehicles.

PIP may or may not extend relative to the circumstances. We suggest you call you agent for more information.

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Do I have to insure my home for it's market value?
No! Your home should be insured for its replacement cost value. Insurance companies will only pay the associated cost to rebuild. If you over insure you home you are just handing your hard earned money over to your insurance company, and will not see any return.

You should call your agent once a year to review the coverage you have on your home.

Any time you make changes to your home you should  reach out to your agent to make sure your coverage is still adequate.

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Do I have coverage for trees that have fallen on my property?
More often than not, NO! Unless the tree falls on your home, or a structure in your yard there is no coverage. Even if it falls on your home or a structure in your yard there is minimal coverage available for the clean up & Removal.

Note: there are a very few companies that will extend coverage for a tree falling in your yard, but majority of the home providers in NJ will not.

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I live in a condo. The unit directly above mine had some sort of water leak, and my ceiling fell down. Who is responsible?
You, and the coverage you have purchased on the home. It sounds crazy, but you are responsible even though you have done literally nothing to cause this loss. Unless you can prove that your neighbor was negligent in some way, you have no recourse.

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Do I have to add my son/daughter to the policy...they barely drive the car?
Yes, you have too. Regardless of the frequency in which they are driving your vehicles it is required.

Call your agent. There are many things you can do to lower the associated cost with adding a young driver to your policy.

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Do I have coverage through my home owners policy for FLOOD DAMAGE?
NO! Not only is coverage NOT available through your home owners policy, it rarely pays unless you have suffered from true flood damage.

Call your agent or the National Flood Insurance Program(NFIP). There are many things you need to know about your coverage or before you purchase coverage.  

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Do I have coverage for money and securities through my home owners policy?
Yes, but it is typically VERY limited.

Call your agent for details on your policy coverage.

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My laptop was stolen from the front seat of my car. Can I file a claim through my auto policy?
No. Even though it was stolen from you vehicle it is a home owners claim. That means it is subject to your home owners deductible.

Unless the object stolen from the vehicle is part of the vehicle in some way(permanently mounted equipment) it is going to have to be filed through your home owners policy!

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Someone let their shopping cart go, and it hit/dented my car. Is that a comprehensive claim?
No. It is a collision claim. Virtually everything that hits your vehicle is considered a collision loss unless it is in the air when it makes contact with your vehicle.

Call your agent for details on what is not considered collision.  

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510 Atlantic Ave | Point Pleasant Beach, NJ 08742 | Ph: 732.798.6948 | Fx: 609.450.7098 Powered by Insurance Website Builder

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