Auto Insurance

Whether you own or operate a vehicle, you face numerous risks. One of the best ways to protect yourself against the financial consequences of damage, theft, and liability is to purchase an adequate auto insurance policy. The team at Two Rivers Benefits Consultants is here to help you secure the coverage you need. Call us today to get a free, no-obligation quote or to learn more about your coverage options.  


What Is Auto Insurance? 


Auto insurance is a contractual agreement between you and the insurer. In exchange for your premium payments, the insurer agrees to provide coverage as set forth under your policy should you experience a covered loss. It can help provide coverage for repairing or replacing your vehicle, third-party bodily injuries or property damage you may cause in an accident, and medical bills you may incur. However, auto insurance policies vary, and you may be able to add endorsements to your policy to gain optional coverages, such as GAP coverage, glass coverage or roadside assistance, to round out your policy.  


What Auto Insurance Is Required By Law?  


In New Jersey, drivers are required to carry at least a Basic Policy, as made possible by the Automobile Insurance Cost Reduction Act. However, this policy provides very basic levels of coverage and may not cover you adequately should you experience a loss. Work with your Twin Rivers Benefits Consultants agent today to better understand your insurance obligations under the New Jersey law and find a policy that’s right for you.  


How Do Auto Insurance Claims Work? 


If you experience a covered loss during your policy’s term, you may want to consider filing a claim to help cover the costs you’ve incurred. The claims process varies depending on your plan and the loss you’ve experienced. To find out more about what the claims process may entail working with our agency, call Twin Rivers Benefits Consultants.  


How Do Auto Insurance Deductibles Work? 


An auto insurance deductible is the out-of-pocket amount you’re responsible for when you file specific claims. You generally can choose the amount of your deductible, and higher deductibles typically translate to lower premiums. However, if you experience a loss and have chosen a higher deductible, you’ll have higher out-of-pocket costs before insurance steps in.  


Deductibles are applicable only on certain types of coverages, such as collision, comprehensive, personal injury protection, and uninsured motorist coverage. Unlike health insurance deductibles, auto insurance deductibles are paid on a claim-by-claim basis—every time you file a claim during your policy period, you may have to pay your deductible for each claim.  


How to Get Auto Insurance 


If you’re in Tinton Falls, New Jersey, or any of the surrounding areas, and need a quality auto insurance policy, we’re here to help. Call the Twin Rivers Benefits Consultants today to discuss your auto insurance needs and we can work together to find a solution that provides you with ample coverage.