Does NJM Insurance Group car insurance cover damage caused by a collision with an animal if I only have liability coverage?

If you’re a driver in New Jersey, it’s important to understand your car insurance policy and what it covers. One question that often comes up is whether NJM Insurance Group car insurance covers damage caused by a collision with an animal if you only have liability coverage. In this article, we’ll explore NJM Insurance Group’s car insurance policies, the difference between liability and collision coverage, whether liability insurance can cover animal collisions, and more.

Understanding Njm Insurance Group’S Car Insurance Policies

Let’s start by looking at the different types of car insurance policies offered by NJM Insurance Group. NJM offers liability coverage, collision coverage, and comprehensive coverage. Liability coverage is mandatory in New Jersey, and it covers damages or injuries you may cause to others in an accident.

Collision coverage, on the other hand, pays for damages to your own car in the event of an accident, regardless of who is at fault. Comprehensive coverage covers non-collision-related damages, such as theft, vandalism, or damage from weather or animals.

Now, let’s explore liability coverage in more detail.

Liability coverage is divided into two parts: bodily injury liability and property damage liability. Bodily injury liability covers medical expenses, lost wages, and other damages that result from injuries to others in an accident that you caused. Property damage liability covers the cost of repairing or replacing property that you damaged in an accident, such as another person’s car or a fence.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

What Is Liability Coverage And How Does It Work?

Liability coverage is mandatory in New Jersey and covers damages or injuries that you may cause to others in an accident. This type of coverage typically includes bodily injury liability, which covers medical expenses and lost wages for the other party if they are injured in an accident, as well as property damage liability, which covers the cost of repair or replacement of the other party’s vehicle or property.

However, liability coverage does not cover damages to your own vehicle. If you’re involved in an accident that’s your fault and your car is damaged, you’ll be responsible for the cost of repairs or replacement.

It’s important to note that liability coverage limits vary and you may want to consider purchasing additional coverage beyond the state minimum requirements. This can provide added protection in the event of a serious accident where damages exceed your policy limits.

Additionally, liability coverage may also provide legal defense if you’re sued as a result of an accident. This can help cover the cost of legal fees and court expenses, which can quickly add up in a lawsuit.

Collision Coverage Vs Liability Coverage: What’S The Difference?

As we mentioned earlier, collision coverage pays for damages to your own car in the event of an accident, regardless of who is at fault. This type of coverage is optional, but it can provide valuable peace of mind if you’re concerned about the cost of repairing or replacing your car in the event of an accident.

If you only have liability coverage and you’re involved in an accident that’s your fault, you will not be covered for the cost of repairing or replacing your own vehicle. This is an important consideration for drivers who want to ensure they have comprehensive coverage in the event of an accident.

It’s important to note that collision coverage typically comes with a deductible, which is the amount you’ll have to pay out of pocket before your insurance kicks in. The higher your deductible, the lower your monthly premium will be, but you’ll have to pay more upfront if you’re involved in an accident. On the other hand, liability coverage does not come with a deductible, but it also has limits on how much it will pay out for damages or injuries to other people or their property. It’s important to carefully consider your options and choose the coverage that best fits your needs and budget.

Can Collision With An Animal Be Covered By Liability Insurance?

If you’re involved in a collision with an animal, such as a deer, while driving in New Jersey, you may wonder if your liability insurance would cover the damage to your vehicle.

In most cases, liability insurance will not cover damage caused by a collision with an animal. Liability insurance only covers damages or injuries that you may cause to others in an accident, not damages to your own vehicle.

That being said, there are a few exceptions. If you hit an animal that is owned by someone else, such as a cow or horse, and the owner can be proven to be negligent for allowing the animal to escape or wander onto the roadway, then their liability insurance may be responsible for covering the damage to your vehicle. However, this situation is quite rare.

It’s important to note that collision coverage is the type of insurance that would cover damage to your own vehicle in the event of a collision with an animal. This coverage is optional and typically comes with a deductible, which is the amount you would have to pay out of pocket before your insurance kicks in to cover the rest of the damages. If you frequently drive in areas where collisions with animals are common, it may be worth considering adding collision coverage to your insurance policy.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Exploring Njm Insurance Group’S Collision Coverage Policy

If you’re concerned about the cost of repairing or replacing your vehicle in the event of a collision with an animal or any other type of accident, you may want to consider adding collision coverage to your NJM Insurance Group policy.

Collision coverage is an optional type of coverage that covers the cost of repairing or replacing your vehicle in the event of an accident, regardless of who is at fault. This means that even if you’re involved in an accident that’s your fault, your collision coverage will pay for the cost of repairing or replacing your vehicle, up to the limits of your policy.

It’s important to note that collision coverage typically comes with a deductible, which is the amount you’ll need to pay out of pocket before your insurance kicks in. The higher your deductible, the lower your monthly premium will be, but the more you’ll need to pay if you’re involved in an accident.

Additionally, collision coverage may not cover all types of damage to your vehicle. For example, if your car is damaged due to a natural disaster or vandalism, you may need to add comprehensive coverage to your policy to be fully protected.

Is Collision Coverage Worth The Extra Cost?

Whether or not collision coverage is worth the extra cost is a personal decision that depends on several factors, such as the value of your vehicle, your driving habits, and your budget. However, in general, collision coverage can provide valuable peace of mind and financial protection if you’re concerned about the cost of repairing or replacing your vehicle in the event of an accident.

One important factor to consider when deciding whether or not to purchase collision coverage is the likelihood of being involved in an accident. If you live in an area with high traffic congestion or have a long commute on busy highways, the chances of being in a collision may be higher. In this case, collision coverage may be a wise investment to protect your vehicle and finances.

Another factor to consider is the age and condition of your vehicle. If you have an older car that is not worth a lot of money, collision coverage may not be necessary. However, if you have a newer or more expensive vehicle, collision coverage can provide added peace of mind and protection in case of an accident.

Understanding Njm Insurance Group’S Comprehensive Coverage Policy

In addition to liability and collision coverage, NJM Insurance Group also offers comprehensive coverage. Comprehensive coverage covers non-collision-related damages, such as theft, vandalism, or damage from weather or animals. This type of coverage can provide valuable protection if you live in an area with a high risk of theft, or if you’re concerned about the cost of repairing or replacing your vehicle in the event of non-collision-related damage.

It’s important to note that comprehensive coverage typically comes with a deductible, which is the amount you’ll have to pay out of pocket before your insurance kicks in. The higher your deductible, the lower your monthly premium will be. However, it’s important to choose a deductible that you can afford to pay in the event of a claim. NJM Insurance Group offers a range of deductible options to fit your budget and needs.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Common Causes Of Animal Collisions And How To Avoid Them

Now that we’ve explored NJM Insurance Group’s car insurance policies, let’s look at some common causes of animal collisions and how to avoid them.

Animal collisions can be caused by a variety of factors, such as driving at night, driving in areas with high deer populations, or driving on rural roads where animals are more likely to cross the road. To reduce your risk of an animal collision, it’s important to drive cautiously, especially in areas where animals are known to be present. It’s also a good idea to stay alert and keep your headlights on, especially when driving at night.

In addition to these factors, weather conditions can also increase the likelihood of animal collisions. For example, animals may be more active during certain weather conditions, such as fog or heavy rain. It’s important to adjust your driving habits accordingly and slow down in these conditions to give yourself more time to react if an animal crosses the road. Additionally, if you do encounter an animal on the road, it’s important to avoid swerving or slamming on your brakes, as this can increase the risk of a collision. Instead, try to brake gently and steer straight to minimize the impact.

What To Do If You’Re Involved In An Animal Collision On The Road

If you’re involved in an animal collision on the road, it’s important to stay calm and follow these steps:

• Pull over to a safe location if possible
• Check yourself and any passengers for injuries
• Call the police to report the accident
• If the animal is still alive and in pain, call animal control to provide assistance
• Take pictures of any damage to your vehicle and the animal, if possible
• Contact your insurance provider to report the accident and start the claims process

It’s important to note that animal collisions can be prevented by being aware of your surroundings and driving cautiously, especially in areas where wildlife is known to be present. Additionally, if you see an animal on the road, slow down and honk your horn to try to scare it away. Remember, animals are unpredictable and can dart out onto the road at any moment, so it’s important to always be alert while driving.

Comparing Car Insurance Providers – Which Ones Cover Animal Collisions?

If you’re shopping for car insurance and you’re concerned about coverage for animal collisions, it’s important to compare policies from multiple providers to find the one that best meets your needs.

When comparing car insurance providers, look for policies that offer collision coverage and/or comprehensive coverage. These types of coverage can provide valuable protection if you’re involved in an animal collision or any other type of accident.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Tips For Choosing The Right Car Insurance For Your Needs

When choosing car insurance, it’s important to consider your individual needs and budget. Here are some tips to help you choose the right car insurance for your needs:

• Shop around and compare policies from multiple providers
• Consider your driving habits and risk factors
• Look for discounts and ways to save on your premium
• Choose a reputable provider with good customer reviews
• Make sure you understand your policy and what it covers

In conclusion, if you only have liability coverage with NJM Insurance Group, damages caused by a collision with an animal will typically not be covered. However, if you’re concerned about the cost of repairing or replacing your vehicle in the event of an accident, it’s worth considering adding collision coverage to your policy. By understanding your options and taking steps to reduce your risk of an animal collision, you can drive with confidence and peace of mind.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption