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

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

New Jersey offers two types of automobile insurance policies that may be purchased: a Standard Policy and a Basic Policy. A Standard Policy 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

Michael J. Deem, Esq.

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.

Our clients’ success is our greatest reward. 732-505-1212 • RCSHEA.COM

Encore, Encore! “When Radio Entertained People” Returns

TOMS RIVER – Return to the era when families gathered around the wireless set for “theater of the imagination.” The Ocean County Library Toms River Branch will host a live presentation by When Radio Entertained People (WREP), 7 p.m. April 12.

WREP consists of 10 talented actors who re-create characters and scripts from radio’s “Golden Age” of the 1940s and 1950s. Michael Glenn Miller leads the cast, many of whom have performed in motion pictures, television, and professional theatre.

The troupe has performed at the Ocean County Library since forming in 2008. The entertainers’ hilarious December 7, 2022 holiday show before an enthusiastic audience heralded the return engagement.

Attendees will be treated to a music and a trivia contest prior to the performance, which will feature episodes of The Great Gildersleeve, Ozzie and Harriet, and Flywheel, complete with sound effects.

This program is sponsored by Friends of the Ocean County Library – Toms River. Register at theoceancountylibrary.org/ events to attend this free program. For more information, visit the OCL Toms River Branch, 101 Washington Street, or call 732-349-6200.

Notice Of Meeting For The Board Of School Estimate Of The Ocean County Vocational School District

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