Auto Insurance in New Jersey

An auto policy is the best financial protection for a driver, potentially reducing out-of-pocket expenses after a covered loss. In addition, an auto policy may ease your worries, knowing you are insured if something damaging happens to you or your vehicle.

For over 100 years, the ML Ruberton Agency has insured Hammonton drivers, and we can also help you with a suitable auto policy for your vehicle needs.

What Is Auto Insurance?

Auto insurance is a contractual agreement between you and your insurance company. In exchange for your premium payments, your insurer provides the coverage defined in your policy.

An array of auto insurance coverage may be beneficial for your coverage needs. New Jersey requires all drivers to have auto insurance, explicitly requiring drivers to carry minimum amounts of personal injury protection (PIP) coverage, bodily injury liability and property damage liability. We can discuss what auto coverage may be available and provide you with a no-obligation policy quote—to meet your needs and New Jersey’s requirements.

How Does an Auto Insurance Deductible Work?

Depending on your specific auto insurance policy and the type of claim you file, you will likely have to pay a deductible before your insurer may pay the rest of the claim. A deductible is the predetermined dollar amount you owe before insurance kicks in to cover costs. Deductibles are applicable only on specific types of coverage and claims, and deductibles typically apply to each separate claim, which means you need to pay your deductible each time you make a claim.

You may increase your deductible to save money on your insurance, as a higher deductible usually means a lower insurance premium. However, while this may help you save money in the short term, it could lead to higher expenses in the long term if you need to file a claim. ML Ruberton Agency can walk you through choosing your deductible to ensure you make the most informed choice.

How Does an Auto Claim Work?

Depending on your policy coverage, you may file a claim with your insurer to begin the damage recovery after a covered incident. This may include help to repair or replace your vehicle or to cover your liability for a third party’s injury or property damage.

Each auto insurance policy is different, and every insurer has its own claims processes. For example, if your vehicle is damaged, the repairs may be costly. If you have an accident or other covered damage, you may file a claim with your insurer for the damages for which you’re responsible. Then your insurer may issue a check to help pay for repairs for a covered incident.

Ensuring New Jersey Drivers Have Protection

All drivers can benefit from the protection of auto insurance. The ML Ruberton Agency can help you with a suitable policy. Call 609-561-1200 to speak with an agent.