BUYINGGUIDE

ULTIMATE CAR INSURANCE

“IN NO FAULT STATES, IT DOESN'T MATTER WHO

CAUSED THE ACCIDENT"

Your insurance policy is what covers your own medicalbills. Having plenty of coverage in personal injury

portion is important to make sure you have coveragewhen you need it.

New Jersey coverage ranges as muchas 250,000, to as little as 15,000 per

person. In Pennsylvania coverage canbe as little as $5,000 per person.

Personal injury coverage is availableto anyone named on the policy and

anyone living under the policyholder's household. Although it is

tempting to choose a lower coverageto save money you will end upspending more money, if your

involved in an accident.

Our law firms stronglyrecommends choosing

more coverage than theminimum offered by the

insurance company.

DEDUCTIBLESThe amount of money you have to

pay before insurance pays

Be careful about choosinghigh deductibles - it willmake your premiums lower,but you will have to pay ahigher deductible before theinsurance company pays.

In the state of NewJersey, you have tooption to use yourhealth insurance as

the primary source ofcoverage for medical

care if you areinvolved in an

accident.

Our office stronglyrecommends choosing

Personal Injury as yourprimary medical

coverage.

Reasons why you might choose tonot use your health insurance over

car insurance:

It limits what doctors you can seeIf you have insurance through medicare or

medicaid you are not eligible for thisoption

If you choose health insurance as yourcoverage and don't have insurance at thetime of an accident you will have to pay a$750 penalty and you will still have to pay

a deductible.

LOSTWAGES

Our firm recommends gettingcoverage for lost wages and enoughto support your family.

You can obtain coverage for lost wages

through your insurance policy. You might

think that lost wages coverage might

already be included, but sometimes it is

not. It is smart to have to keep your family

financially stable.

L A W S U I T S

In New Jersey and in

Pennsylvania, drivers can

choose whether to pay more

and preserve their rights to

sue or to let the insurance

company limit their rights to

sue for pain or suffering.

Bodily Injury& Liability

In New Jersey andPennsylvania motorist must

carry liability and bodily injuryinsurance. This insurance

protects you and your assets,as well as compensates the

other parties involved.

Our firm Recommendshaving at $100,00 in

coverage for bodily injuryand liability. If you have ahome you will need more.

U N I N S U R E D O RU N D E R I N S U R E D

M O T O R I S T

I F Y O U A R E W O R R I E D A B O U T T H E O T H E R

P A R T I E S I N V O L V E D I N S U R A N C E T H E N Y O U

S H O U L D C O N S I D E R U N I N S U R E D A N D U N D E R

I N S U R E D M O T O R I S T C O V E R A G E . T H I S W I L L

P R O T E C T Y O U A G A I N S T M O T O R I S T S T H A T

H A V E L O W O R N O C O V E R A G E .

P R O P E R T YD A M A G E

T h e r e a r e d i f f e r e n t t y p e s o f p r o p e r t y d a m a g e

c o v e r a g e f o r y o u r v e h i c l e , t h a t w i l l p r o t e c t

i t i f i t g e t s d a m a g e d . T h e i n s u r a n c e c o m p a n y

w i l l e i t h e r p a y t o h a v e i t f i x e d o r i f s e v e r e ,

p a y t h e v a l u e o f t h e v e h i c l e .

Our firm recommendsto choose the lowest

deductible ifpurchasing property

damage coverage

Personal Injury Attorneyswww.myinjuryattorney.com

856-778-5500

Console &Hollawell