Driving without insurance nj is a serious offense and the consequences of this type of driving is unending and suffocating process. There are traffic rules and law that every driver should abide by to respect the law. In the case of any violation of traffic rules, the driver has to count money to pay as penalties. Paying money as penalties is not going to be over because there are more issues that impact driving in the future. This may be really surprising to know that New Jersey state law orders jail up to 14 days and a huge of amount of money as penalties.
Simply it is common to believe that an insurance for your car can protect you from unexpected fines and penalties. People are buying car whatever used car or brand new car are. The first thing in terms of car that comes up is covering insurance for the car. At present insurance is not so costly to buy because dollar a day car insurance in New Jersey is better option as low cost insurance coverage.
In this article, we are going to let you know how many types of penalties and consequences of driving without insurance. Additionally you can know some best and cheapest car insurance in New Jersey.
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Penalties With No Insurance
Penalties and fines may vary on different circumstances. For example, you have crossed the speed limit and you didn’t follow the traffic signal. These are two circumstance and there are different amount of penalties according to traffic law.
It is really important issue to have an insurance which means you are protected in many ways. Due to an accident or traffic rules violation, insurance coverage is required as the traffic police examine how lawfully you run your car on the road. In the case of no insurance, there are penalties which may be for the first time or second time offense. First time offense may relieve you somehow but second time offense may be severe. So we are explaining these penalties.
Penalties For The First Time
In the New Jersey penalties may range from $300 to $1000 when you are not submitting any insurance papers. For the first hand, the police officer will check your insurance paper. You need to submit this papers to make sure you abide by law. The consequences of submitting no insurance papers will take you to the unending process of paying money. Additionally your driving license is going to be canceled for 1 year. The surcharge $250 with additional court charges as administrative charge is another payment that you have to count from pocket.
It is also important to note that you are not able to show any insurance papers within 24 hours. This can cause a bad experience because this car will be impounded. After that, it is common to claim that your car has been impounded and you get ready to pay $100 according to New Jersey financial responsibility law.
Penalties After First Time And Subsequent Offenses
Second offense is really dangerous and make you suffer in the long run. Somehow you got rid of 1st offense but 2nd offense can lock your driving license for up to 2 years. In New Jersey, you will be in jail for 14 days and the fine amount may reach up to $5000 which is really a big amount. Another cost is going to be added and it is $250 as surcharge. According to New Jersey community rules, you are sure to serve as community support for 180 hours according to the court.
Auto insurance is really important for not paying this type of penalty. But one more mistakes in the event of traffic rules and regulations over and over again, you are not getting any insurance coverage in future.
It is really horrible to face those incidents one after one. In driving sense, your reputation is really important because this can work to get auto insurance easily, license for other vehicle, road permit and so on. If this reputation is gone due to this type of incident having no insurance, you are more likely to face other difficulties. These include-
- Driver’s License suspension
- Jail time up to 14 days
- Performing community service as per law
- Paying surcharge
- Points to indicate inexperience driving
Some Cheap Auto Insurance In New Jersey
Now that you have known the consequences of driving with no insurance, you might seek for some insurance companies who offer cheap car insurance. We have researched a lot and found that these insurance companies provide cheaper rate of insurance in New Jersey.
Geico
Geico is a large company nationwide and has a good reputation in serving insurance coverage. It has 20% market share which is a matter of being happy with this insurance company. Geico always believes the better and quick customer services. Part of this, online sale is in five location to make sure driver can avail for easy purchase.
There are some areas where Cherry Hill, Hackensack, Hamilton, Monmouth and Somerset Middlesex are available and getting insurance services from Geico is easier. Geico comes with a number of features in terms of insurance coverage. Driver with good credit score (670 to 739) can get $1058 per year. This insurance company is rated with A++ according to the A.M. This means it is one of the Best Financial Strength Rating Company.
Allstate
AllState insurance is a good one to find insurance in NJ. There are different types of discounts like Safe driving bonus. Surely you may have reputation in safe driving and. Certification as well. Why people need to buy an insurance is simple because they provide check as discount that can be used to spend other purposes.
When you are looking for best rated company, this insurance company is financially good one because it has a rating of A+ according to A.M. It simply explains that it is one of the Best companies that has financial strength, 3 out of 5 rating from J.D. Power for overall satisfaction, the rate is going to be $1624 on an average.
State Farm
State farm is well known as best insurance company for auto insurance. If you live in New Jersey, this company can feed your needs. There are 14 discounts plans which surely will help you to pay less amount as premium. State Farm offers insurance coverage at the rate of $2,184.
This company has a good track record in providing insurance and the financial stability is worth adding confidence. A++ rating is Superior insurance company according to A.M. Best Financial Strength Rating.
Travelers
Travelers has been providing insurance service since 1897. It means that you can keep trust on this company because it has a long history of financial protection in terms of insurance. This company has a good track record of business and this company is rated with A++ (Superior) A.M. Best Financial Strength Rating.
The price you have to pay on an average is$1462 per year. This amount may be lower in case you want to get discounts in categories.
Farmers
If you want to go with a company that has long channel of agents in NJ, farmers can be a good choice indeed. There are various types of discounts plans that can reduce your insurance price. An excellent A.M. best financial strength rating can be good enough to understand the financial strength of this company.
The customer complaints are fewer and it means that this insurance company deals with insurance best way. Additionally there are so many options to customize the policy options which is really important issue for any type of insurance.
Final Verdict
Driving without insurance can be one of the long term consequence for spending money and money. Having a car insurance is not just about to protect from financial loss in the event of an accident but it also saves you from uncertain spending as fine or penalties due to any traffic rules violation and other related issues. You are on the road and any accident may occur as there is no hand on accident. So you should think about auto insurance at first before you take your car on the road.
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