Optional New Jersey Vehicle Coverages

• Damage not resulting from a collision (e.g., damage from falling objects, fire, certain natural disasters, and vandalism)
• Theft
• Glass damage
• Damage from hitting an animal
• Vehicles covered by the policy

• Repair or replacement cost of the vehicle that has collided with other cars/objects or has rolled over
• Vehicles covered by the New Jersey auto insurance policy

Who might benefit from buying collision coverage?
If your car is financed or leased, the finance company will probably require that you carry this auto insurance coverage. If you have a newer vehicle or one in excellent condition, you may need this coverage to replace or repair the vehicle in case of loss. If you have an older car or one in poor condition, you may not want to pay for collision.

Towing and Labor
This coverage, sometimes called Towing coverage, pays for the cost of towing your car if it becomes disabled. Towing and labor coverage cannot be purchased without collision coverage.

How much protection does this coverage provide?
The coverage limits you see in your auto insurance quote refer to the maximum amount that will be paid per incident.

Rental Reimbursement
Rental reimbursement can’t be purchased without collision and comprehensive coverage.

What’s covered?
This coverage pays for the cost of a rental car if you can’t drive the insured vehicle due to theft or damage from an accident.

How much protection does this coverage provide?
The dual coverage limits you see in your auto insurance quote refer to the maximum amount that will be paid per day, per accident, respectively.

Custom Parts and Equipment Coverage
Custom parts and equipment coverage is optional in New Jersey. If you buy this auto insurance coverage, you must also buy comprehensive and collision coverage.

What’s covered?
Custom parts and equipment coverage is appropriate if your vehicle has permanently installed custom parts or equipment other than those installed by the original manufacturer.

Examples of custom parts and equipment include:

• Any dealer-installed equipment that is not offered by the original manufacturer
• Special equipment on vehicles, vans, and trucks, including: running boards, brush bars, roll bars, undercarriage lighting, fog lights, bed liners, camper shells, trailer hitches, etc.
• Customized wheels, spoilers, suspensions or performance-related equipment
• Stereo, sound recording, and television equipment
• Customized paint or decals

• The actual cash value of your car at the time of the loss, less the applicable deductible and the vehicle's salvage value (if retained by the owner or insured) and
• Any greater amount owed on the vehicle at the time of loss, less any unpaid finance charges, excess mileage or wear and tear charges, any other charges or expenses associated with the loan or lease, and the vehicle's salvage value (if retained by the owner or insured).