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GLOSSARY
Liability coverage helps pay if you are legally responsible for injuring someone or damaging their property. On auto policies it usually splits into bodily injury and property damage. It does not pay to fix your own car.
New Jersey requires liability at state minimums to drive legally. Those minimums are a floor, not a recommendation for every driver.
EXAMPLE
You rear-end someone at a light and damage their bumper. Property damage liability is the part of the policy that typically responds for their car, up to your limit.
Without enough liability, a lawsuit or a totaled car that is not yours can follow you for years. Limits are the most the policy will pay. The rest can be yours.
An agent can line up New Jersey’s required minimums next to higher limits on the same quote, so you see the real price difference.
FAQ
No. Liability is for other people and their property. Your car is collision, comprehensive, or the at-fault driver’s liability, depending on the loss.
The state sets minimum liability, PIP, and uninsured motorist amounts, and those numbers can change. A licensed agent will confirm the current requirement on your quote.
Yes. The policy pays up to the limit. You can still be responsible for amounts above it. That is why people raise limits or look at umbrella coverage.
A licensed New Jersey agent can walk you through it. Free to start.Free to start. In your language. A licensed agent confirms every requirement with you.
Quotes are estimates and subject to carrier underwriting.