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 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

Church Youth Group

BAYVILLE – The Living Water Youth Group is for students in grades 6 to 12 and meets every Thursday night from 7 to 8 p.m.

Youth group is designed as a safe environment that challenges students to grow in their faith in practical ways, encourages them to reach out to their friends, and form friendships within the group that go beyond the walls of the church.

You and your friends won’t want to miss this night of fun! Invite a friend out with you! Living Water Community Church is located at 333 Route 9 Unit b15 in Bayville.

Home Gardening Contest

BEACHWOOD – Join the Beachwood Environmental Shade Tree Committee for their first ever Home Gardening Contest on August 21 at the Municipal Complex, 1600 Pinewald Road, Beachwood.

Come to their August meeting to enter your home grown goods into a variety of categories: largest squash; largest tomato; ugliest veggie; and more! Entries accepted from 5:45 to 6:15 p.m.

Items For Sale

Giants Football Season Tickets

- Two tickets with parking. Section 316, Row 21, Seats 17 and 18 - $2,700. Call Mike 609-618-0813. (36)

Quality Doll House Furniture

And Kits - Worth over $2,000, selling for $200 or best offer. 732849-0003, leave message. (35)

New Electric Mulcher Mower$110; Gas edger, $69; Gas mulcher mower, $69. Black and Decker, Craftsman, Briggs, and Strattion. All good condition. 732-270-4044. (36)

Auto For Sale

2008 Chrysler PT Cruiser - White. Auto, 4 cyl. Exel. MPG. Small dent right fender. 88,000 miles. Holiday City. $3,500. 848-986-0839. (36)

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)

Vinyl Records Wanted - Paying cash for LP albums. Rock, Reggae, Blues, Jazz. Very Good condition only. Call Rick 908-616-4104. (t/n)

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)

Cash On The Spot - For records, 33's, 45's, reel to reels. Call - We pick up the phone! Eddie 732-8295908 will travel. (31)

Used Guns Wanted - All types: collectibles, military, etc. Call 917-681-6809. (t/n)

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)

Ca$h Paid For Old 45 RPM Records. - R&B, doo wop, soul, early rock & roll, and rockabilly preferred. Call between 8AM and 8PM 909-938-4623. (20)