12 minute read
R.C. Shea & Assoc. Inside The Law Understanding Automobile Insurance In The Garden State
By: Robert C. Shea, 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 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.
For Rent
Floating Dock Slip For Rent This Season - Private home in Baywood area in Brick 25 feet $990 Call 732-477-3053. (29)
Room For Rent - Female preferred.
LAKEWOOD/BRICK border area. $900 per month ++ Electric, [Negotiable] 1-848-326-7609. (29)
Items Wanted
COSTUME/ESTATE JEW -
ELRY Looking to buy costume/ estate jewelry, old rosaries and religious medals, all watches and any type of sterling silver, bowls, flatware candlesticks or jewelry. Same day house calls and cash on the spot. 5 percent more with this AD. Call Peggy at 732-581-5225. (t/n)
$$$ WANTED TO BUY $$$
Jewelry and watches, costume jewelry, sterling silver, silverplate, medals, military items, antiques, musical instruments, pottery, fine art, photographs, paintings, statues, old coins, vintage toys and dolls, rugs, old pens and postcards, clocks, furniture, brica-brac, select china and crystal patterns. Cash paid. Over 35 years experience. Call Gary Struncius. 732-364-7580. (t/n)
Vintage Lighters wanted - One piece or entire collections. Looking for Zippo, Dunhill, Ronson, Cartier and European lighters. Email: vintageltr@aol.com or call Ira at 201-774-8482. (28)
Entire Estates Bought - Bedroom/dining sets, dressers, cedar chests, wardrobes, secretaries, pre-1950 wooden furniture, older glassware, oriental rugs, paintings, bronzes, silver, bric-a-brac. Call Jason at 609-970-4806. (t/n)
CASH PAID!! LP records - stereos, turntables, musical instru-ments, guitar, saxophone, CD’s, reel tapes, music related items. Come to you. 732-804-8115. (30)
Cash - Top dollar, paid for junk, cars running and nonrunning, late model salvage, cars and trucks, etc. 732-928-3713. (t/n)
Vinyl Records Wanted - Paying cash for LP albums. Rock, Reggae, Blues, Jazz. Very Good condition only. Call Rick 908-616-4104. (30)
Used Guns Wanted - All types: collectibles, military, etc. Call 917-681-6809. (t/n)
Junk or Wrecked Cars and Trucks
Wanted - Cash paid. 732-6577251, Steve. Thanks. (29)
CASH, CASH, CASH! - Instant cash paid for junk cars, trucks, vans. Free removal of any metal items. Discount towing. Call Dano 732-239-3949. (t/n)
Items For Sale
Rug 9x12, $25; - Golf club, $5 each; Pink golf bag, $35; End tables, $25; Large mirror, $25; Twin headboard, $35. 732-840-0022. (30)
Lands Exercise Bike New - Foldable. New $75. 732-849-2626. (30)
Advertise in the main sections of Micromedia’s weekly newspapers. Your ad will be seen by thousands. Call 732-657-7344 ext. 206 for more information.
Services Services Services Services Help Wanted
Receptionist Part-time, Weekends Magnolia Gardens - Family owned and operated Assisted living community looking to fill part-time and weekend receptionist position. All positions start at $15.00 an hour. For more information call 732-557-6500 or come to our home and fill out an application at 1935 Lakewood Road, Toms River 08755. (31)
Certified Aides Full time, Per Diem, Weekends Magnolia GardensFamily owned and operated Assisted living community looking to fill nursing, and medical aide positions. All positions start at $15.00 an hour. For more information call 732-5576500 or come to our home and fill out an application at 1935 Lakewood Road, Toms River 08755. (31)
Dietary Aides Full Time, Part Time, Weekends, Magnolia GardensFamily owned and operated Assisted living community looking for Dietary Aides. All positions start at $15.00 an hour. For more information call 732557-6500 or come to our home and fill out an application at 1935 Lakewood Road, Toms River 08755. (31)
Certified Home Health Aides - Needed for Ocean County area. Hourly and live-in positions avail. P/T and F/T. Call CCC at 732-206-1047. (t/n)
Part-Time Custodian For 55+ Community - Experience as a custodian or in a similar role is preferred. Familiar with basic handyman practices. Attention to detail and conscientiousness. Must be able to lift 50 lbs. and follow written work orders as directed. Apply in confidence to 732-506-6616. (29)
Laundromat Attendant - For FT/ PT Good communication skills, math and min computer knowledge. Transportation needed. Long term commitment only. 732-286-1863. (t/n)
Absolute best home improvements!"Building the shore since 1984" Additions, carpentry, windows & doors, roofing & siding, painting & staining, flooring, kitchens & baths, finished basements, masonry, fencing, custom decks, fully insured, license #13VH11804800. $ave. Call Brien 732-850-5060. (28)
Roofing Repairs Etc. - Roofing, siding, windows. Repairs on small jobs.
Utility shed roofs replaced. Prompt service. Insured. Gutters cleaned. Call Joe Wingate 551-804-7391. (26)
ALL American Home Health AidesExperienced experts in the field of trauma and recovery. Holistic approach to healing-nutrition, physical therapy, and quality of life improvements. Hourly or live in. Honest, hardworking, etc. Includes housekeeping, rides to doctors/pleasure. Skip the rest, come to the best. 732-664-3605. (t/n)
Become a Published Author. We want to Read Your Book! Dorrance Publishing-Trusted by Authors Since 1920. Book manuscript submissions currently being reviewed. Comprehensive Services: Consultation, Production, Promotion and Distribution. Call for Your Free Author`s Guide 1-877-791-2033 or visit dorranceinfo.com/micro. (t/n)
Nor’easter Painting and Staining, LLC - Interior and exterior. Decks, powerwashing. Affordable. Senior discounts. References. No job too small. Fully insured. 732-6910123. Lic #13VH09460600. (19)
Car Service - 24/7. Doctors, shopping, airports, hospitals, cruise, shops, Atlantic City, family functions, NYC accomodations for large groups. Call for reasonable rates. Kerry 732-606-2725. (42)
APlus Home Improvements - Over 30 years experience. Everything from small handyman tasks to large renovations, decks, finished basements and much more. Lic #13VH11453600. No job too small give us a call. 908-278-1322. (52)
Handyman Service - Carpentry, masonry, painting repairs large and small. 40 years experience. Call Jim 732-674-3346. (39)
Since 1979, Kitchen Magic, a family-owned business offering cabinet refacing, new cabinetry, and luxury countertop throughout the Northeast. We transform kitchens in less time, with less stress, at an amazing value. Call today for a free estimate 1-844-367-2477. (t/n)
Bobs Waterproofing - Basement and crawlspace waterproofing. Mold testing, removal and prevention. Family owned. Fully licensed and insured. Call Bob 732-616-5007. (t/n)
Do You Want Your Car To Look
Nice and Shine? - Call Lenny, Lenny's Mobile Auto Detailing 908-868-4609. (28)
ADVANCED BUILDING - Build
•Repair •Replace. Affordable Expert Workmanship. Carpentry •Trim •Decks •Doors •Tile •Vinyl Railings
•Bathroom •Flooring. Licensed, Insured 609-384-9030. (28)
ESTATE CLEANOUTS -
Properties, Houses, Attics, Garages, Sheds, Storage Units, ect. Handyman Disposal provided 901a Dumpster Service LLC. Licensed, Insured, call or text Jim 609-335-0330. (27)
Learn To Play The - Flute, clarinet, saxophone, trumpet, trombone, or drums from a NJ State Certified Teacher of instrumental music, in your home! Call 732-3504427 for more information. (33)
Stillwell Services LLC - Handyman services, drain cleaning, camera inspections, bathroom remodeling, sewer repair, leak detection, excavation services. Licensed, insured. 609-346-4243. (32)
GARDEN COACH ASSISTS SEN-
IORS & DIY's - Create & maintain beautiful containers, repotting. Planting design, selection, plant care. Experienced (Master) Gardener/ Instructor. Joseph 732-232-8144. (29)
C.B.J. ROOFING - Covering the jersey shore since 1984. All work guaranteed. We will beat ANY legitimate estimate. $ave. Call 732-850-5060. (20)
Computer Tutoring for Seniors – Retired, “Microsoft Certified” instructor. Very Reasonable rates. Very patient with slow learners. I’ll teach you in the comfort of your home on your computer. I can trouble shoot your slow computer! I also teach iPhone and iPad. I set up new computers at less than half the price the retailers charge. Windows 10 specialist. I can also build a beautiful small business website at a fraction of the going rates. Special Projects always welcome! Tony 732-997-8192. (t/n)
CHEAP PAINTING Done RITEFree est. Senior discounts interior exterior. Call 732-506-7787, cell 646-643-7678. (28)
THE RIDE GUY - Takes you anywhere! No limits. Comfy mini-van. Call Charlie 732-2163176 or Email: cr@exit109.com. References. Let's Go! (t/n)
Don’t let the stairs limit your mobility! Discover the ideal solution for anyone who struggles on the stairs, is concerned about a fall or wants to regain access to their entire home. Call AmeriGlide today! 1-855-634-0529. (t/n)
1. Below, circle the heading you would like your ad to appear under:
2. Print clearly your ad as you want it to read. Include Phone # within ad below (counts as 1 word). Use separate sheet if necessary.
R.C. Shea and Associates is seeking to hire a paralegal with civil/commercial litigation experience as well as an administrative assistant. Pay and benefits commensurate with experience. Please call Pam Williams, office manager at (732) 505-1212 or email at pwilliams@rcshea.com (t/n)
Are you bored? Looking for something to do? We are looking for the “Young at Heart”. Be part of the Merri-Makers Ambassador team! Start pay is $15 an hour with guaranteed tips, and a very flexible schedule. For more information contact Jessica at mmhiring@merrimakers.com or call 732-225-0009 (33)
Year round, P/T Assistant ManagerResponsible, reliable person for retail sales. Military experience helpful. Send resume to shorearmynavy@ gmail.com or call 732-597-0388 Must have appointment for interviews. (31)
Micromedia Publications is looking for a high-energy account rep to sell print and online advertising in Ocean County. Competitive base, bonuses & company benefits. Successful applicant should possess good communication skills & a desire to grow with the company. E-Mail resumes to jallentoff@jersey shoreonline.com. EOE. (t/n)
Prepare for power outages today with a GENERAC home standby generator $0 Money Down + Low Monthly Payment Options Request a FREE Quote. Call now before the next power outage: 1-833-901-0309. (t/n)
PQ Painting & Home Improvement Services - Over 5 decades of service in NJ. Visit us online at pqpaintingservice.com . Winner of Angie’s List Super Service Award. Free estimates, reasonable rates, fully licensed and insured NJ Lic #13VH06752800. Call 732500-3063 or 609-356-2444. (t/n)
DIRECTV. New 2-Year Price Guarantee. The most live MLB games this season, 200+ channels and over 45,000 on-demand titles. $84.99/mo for 24 months with CHOICE Package. Some restrictions apply. Call DIRECTV 1-877-557-1213 (t/n)
MY HANDY CREW - Home repairs, carpentry, painting roofing and siding, decks, powerwashing, yardwor,k all your home maintenance needs. $ave. Call Clark 732-850-5060. Insured and NJ License #13VH11804800. (46)
LANDSCAPING - Restorations, Repairs, Stones, Mulch, Sod Installs, Hedges, Shrubs, Bushes, Downed Branches Trimmed & Removed, Demolition, Cleanouts, ect., Dumpster service provided by A901 Licensed Hauler ect. MAN WITH VAN LLC. Jim 609-335-0330 HIC# 13vh10806000.
SMALL! (20)
You are responsible for checking your ad the first time it runs and notifying us of any errors. If we make an error, we will correct it and rerun the ad. We will not be responsible for multiple insertions if you do not call us after the first ad run. No refunds for classified ads. Newspapers are available at our office. Please feel free to stop in and check your ad.
Calculate Price As Follows:
3. 1 week* at $29.95 for 20 words + $0.40 ea. add’tl word = $
2 weeks* at $44.95 for 20 words + $0.40 ea. add’tl word = $
3 weeks* at $60.95 for 20 words + $0.40 ea. add’tl word = $
4 weeks* at $74.95 for 20 words + $0.40 ea. add’tl word = $
Total = $ *In order to qualify for discounts, the same ad must run over the requested weeks.
4. Make check payable in advance to Micromedia Publications, or fill in MASTERCARD/VISA/AMERICAN EXPRESS – NO DISCOVER – info. below:
Credit Card# Exp.
Cardholder Signature:
Print Name:
5. MAIL TO : PO Box 521, Lakehurst, NJ 08733.
Credit Card Orders Only can be faxed to: 732-657-7388. Or go to jerseyshoreonline.com to place your classified.
6. Please include your BIlling address and contact phone number (this is required)
Address
Deadline For Classified Ads: 12pm Monday (For that Saturday’s publications)
If you have any questions, please call Ali 732-657-7344 ext. 203.
Jersey Devil:
Continued From Page 14 or anything outside the norm. Although the brief encounter frightened her, Wolf did not report anything to the authorities.
Over the years, others have claimed to have met up with the Jersey Devil and were startled by its piercing screams. Even before the appearance of unusual footprints in 1905, there were tales that Napolean Bonaparte’s brother came in contact with the Jersey Devil on his Bordentown estate.
Weird New Jersey has a collection of Jersey Devil stories, including one related by Sonny D., who said he was at a drive-up in Bayville when an immense figure caught Sonny’s attention, sprinting across Route 9. It resembled the iconic portrayals of the Jersey Devil - a tailless, furless creature with visible ribs and an elongated head with short, flattened ears. Its towering stature almost reached ten feet. Meanwhile, located just a few miles away from the alleged legendary birthplace of the Jersey Devil, JD’s Pub & Grille proudly pays homage to its namesake.
Staff members interviewed at the establishment were unable to pass on accounts of close encounters with the Jersey Devil, providing no recent sightings or experiences to fuel the legend.
Nevertheless, patrons Jim and Barb Ryan have embraced the local folklore wholeheartedly. Their admiration for the Jersey Devil is evident as they adorned the rooftop of their home’s Tiki Bar with a captivating neon representation of the creature.
As the belief in the Jersey Devil persists, and the fascination continues to grow, the search for answers intensifies. Whether through books, the dedication of paranormal enthusiasts, or the spotlight of television shows, the legend of the Jersey Devil remains firmly embedded in local folklore. An enduring interest in the mystical creature has even led to the formation of dedicated groups determined to search out and uncover the truth behind the myth.
“I can summarize this whole Jersey Devil story with one sentence,” said Regal in an interview. “It’s not about a monster; it’s about the history of human hatred and fear.”
Regal and his Kean University colleague Dr. Frank J. Esposito have written a book called “The Secret History of the Jersey Devil,” published by John Hopkins University Press. It is available in paperback and as an e-book.
2023 Downtown Toms River Event Calendar
TOMS RIVER – The 2023 Event Season is here! They are currently accepting applications for the following: artists, hand crafters, food trucks, local small businesses, commercial vendors, nonprofits. Visit the following link to apply: downtowntomsriver.com/ become-a-vendor.
• Farmers Market: every Wednesday through October 25 at Huddy Park
• Downtown Night Out: every Friday and Saturday through October 28 on Washington Street
• Cruisin’ Downtown: July 12, August 9, September 13 on Washington Street
• Summer In The Street: July 15 on Washington Street
• Comfort Food Festival: September 16 on Washington Street
• Harvest Arts Festival: October 21 on Washington Street
• Small Business Saturday: November 25, district wide
• Tree Lighting: December 1 on Washington Street
• Winter Wonderland: December 2 and 9.
Anderson & Campbell Funeral Home
Serving the community with dignity and compassion since 1869.
Susan C. Dunigan • Manager, NJ Lic. 4328
Frank T. Palino • Director, NJ Lic. 4359
Diana M. Daly • Advanced Planning Director, NJ Lic. 4920
3010 Ridgeway Road • Manchester, NJ 08759 www.andersoncampbellmanchester.com
732.657.5700
OCEAN ORTHOPEDIC ASSOCIATES WELCOMES SUNDEEP S. SAINI, DO
AREAS OF INTEREST
• Total shoulder arthroplasty (Anatomic and Reverse)
• ACL/PCL reconstruction
• Complex knee ligamentous reconstruction
• Knee cartilage preservation surgery (OATs/MACI/HTO Meniscal Transplant)
• Arthroscopic rotator cuff repair Shoulder instability (Arthroscopic and open)
• Hip Arthroscopy
• Ankle Arthroscopy
• Robotic total knee arthroplasty
MD & RESIDENCY: Rowan University School of Osteopathic Medicine FELLOWSHIP: New England Baptist Hospital
Now participating with Horizon Blue Cross Blue Shield Call 732.349.8454 • oceanortho.com
