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State Farm: Frank Mosier
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State Farm: Frank Mosier
Contact Us
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Auto Insurance in Millburn, NJ

Common Auto Insurance coverages

Some form of liability is mandatory in almost all states. Many people get the minimum coverage to save costs. But, there are a slew of other coverages that are very important.
  1. Collision – covers your own car and property.
  2. Property damage – this covers damages to the other motorists cars (involved in the accident) and property.
  3. Comprehensive – this covers damages and replacement due to being stolen, fire or water damages. But, in some states this comprehensive coverage also includes ‘Uninsured Motorist’ and a few other coverages. What’s included or bundled into a comprehensive policy can also differ by insurance carrier.
  4. Uninsured Motorist – mandatory in many states, this coverages kicks in when the other driver does not have adequate coverage or your vehicle is involved in a hit and run accident (the hit-and-run driver is not identifiable)
  5. Car Rental Insurance – this kicks in when you need a rental car while your vehicle is being repaired.
  6. Medical Bills – covers deductibles and medical payments not otherwise covered by your health insurance or the other drivers (at fault drivers) insurance. Mandatory in some states.
  7. Our agents can help you find great auto insurance rates; we know the specific laws and nuances of auto insurance in and around the Millburn, NJ area.

How to pay for your auto insurance policy?

  1. The policy normally is valid for 6 months, and renews every six months, although some policies are annual. You can change auto insurance at any time and get a pro-rated refund if due.
  2. Most carriers will give you multiple payment options –
    1. Monthly auto debit from your bank account.
    2. Pay by mail/check (includes a service fee)
    3. Quarterly or bi-monthly payments.

Auto Insurance coverages explained

  1. Bodily-injury liability insurance is mandatory in all states. The exceptions or workarounds are -
    1. New Hampshire (personal responsibility requirement by owner/driver)
    2. Virginia (uninsured motorist fee)
    3. Mississippi (motorists can post bonds)
  2. So, at the very minimum all drivers must have bodily-injury liability insurance or some form of protection for damages to the drivers of the vehicles involved, their passengers and even pedestrians.
  3. Our auto insurance experts have helped many folks in the Millburn, NJ and surrounding areas. Get in touch, we can help you too.

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State Farm: Frank Mosier has other insurance programs like Business Insurance in Millburn, NJ.