R.C. Shea & Assoc. Inside The Law Understanding Automobile Insurance In The Garden State

By: Michael J. Deem, Esq. of R.C. Shea & Associates

provides liability, uninsured motorist, and personal injury protection (medical) coverage. A Basic Policy only provides personal injury protection (medical) coverage limited. Protect yourself and choose the standard policy.

Liability Insurance insures you against claims made by others for the property damage or personal injury you caused while operating your vehicle. Liability Insurance protects you from paying money to someone from your own pocket. Your insurance coverage will pay any monetary damage that you are required to pay to someone else but only up to your insurance policy limits. Choose your liability policy limits wisely. Most people choose liability coverage of $100,000.00, but I recommend choosing at least $250,000.00 of liability insurance. The additional cost is usually nominal.

Personal Injury Protection coverage is also known as “PIP” or “No Fault” Insurance. The “No Fault” concept means that your automobile insurance will provide you with personal injury protection insurance (PIP) coverage regardless of fault. In other words, it does not matter who caused the car crash. As long as you were operating, using, or getting in /out of an automobile at the time of the injury then you are covered. The “No-Fault” concept does not mean that the other driver is responsible for your medical bills. Protect yourself and choose the standard $250,000.00 in PIP Medical Expense Benefits.

Uninsured /Underinsured Motorist Coverage (UM / UIM) protects you against financially irresponsible drivers. Sometimes people operate their vehicles without insurance coverage or with only very little insurance coverage, like those who operate their vehicle with a Basic Policy which was discussed earlier. If you sustain property damage or bodily injury and the person responsible does not have enough insurance to cover your loss, then you can file a claim with your insurance company under your Uninsured /Underinsured Motorist Coverage. This coverage protects you and your family by providing additional insurance coverage for your loss, but only up to the policy limits that you choose. UM/UIM insurance coverage should never be less than your liability coverage. Most people choose liability coverage of $100,000.00, so your UM/UIM coverage should equal your liability coverage.

At R.C. Shea & Associates, our automobile insurance attorney, Michael J. Deem. Esq. is here to help you with your automobile insurance questions. Please give him a call.

Made In Ocean County

NEW EGYPT – Join on May 20 10 a.m. to 3 p.m. at the New Egypt Flea Market. Come and shop Ocean County’s Best of the Best! Dozens of local vendors and handmade makers with products made in Ocean County for sale.

Art, home décor, baked goods, jewelry gifts, soaps, candles, produce food trucks

PLEASE TAKE NOTICE, that the meeting of the Board of School Estimate of the Ocean County Vocational Technical School District is scheduled for Wednesday, April 5, 2023 at 3:15 p.m., in the Ocean County Administration Building, 101 Hooper Avenue, Room 304, Toms River, New Jersey, for the purpose of reviewing and approving the proposed budget for the Ocean County Vocational Technical School District for the 2023-2024 school year.

Formal action will be taken at this meeting.

Frank J. Frazee, CPA Secretary, Board of School Estimate

& more! There is something for everyone at this free event. Shop local & shop made in Ocean. Leashed pets are welcome too.

If you are interested in attending as a vendor, apply via the online application at newegyptfleamarket.com. To apply for this event as a vendor, you must be a resident of Ocean County.

Family Awareness In Addiction Recovery

TOMS RIVER – Join Quantum Behavioral Health Services every last Wednesday of the month for informative discussions surrounding the role of family in addiction recovery. They will discuss things like boundaries, rebuilding trust, and repairing relationships.

Meetings are in person at their facility and can also be attended via live stream, by visiting qtreatment.com/family-awareness and clicking the link provided. They take place on the last Wednesday of every month from 7 to 8:30 p.m.

368 Lakehurst Road | Suite 305 Toms River, NJ 08755

732-473-1123

1301 Rte 72 | Ste 305 | Manahawkin, NJ 08050 609-597-9195

211 W Millstream Road Cream Ridge, NJ 08514 609-758-9595 www.OceanPediatricDental.com