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Auto Insurance

Auto Insurance in Toms River NJ, Freehold NJ, Morristown NJ and surrounding areas

What is auto insurance?

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I & E Insurance Agency is Point Pleasant’s trusted source for personalized insurance. When you come to us, we take the hassle out of working with a large, impersonal insurance company, while still helping you get customized, affordable benefits that will always come to your aid at the times you need them most. Our promise is that every client will walk out our doors knowing that they have received optimized protection that will keep them safe in all parts of their life.

One of the most essential benefits that everyone needs is quality auto insurance. However, plans must be customized to the policyholder’s needs. With our network of quality carrier options available to you, we can ensure you get the most customized plan for your needs.

To get your auto insurance policy today, call us at 732-295-5584 or request your free quote now!

Common Auto Insurance Questions  

Quality auto insurance will minimize your personal financial losses for such problematic losses, and you’ll be able to recover from these issues without costing yourself an arm and a leg.

How do auto insurance deductibles work? 

The deductible is the amount of money the insured person pays out of pocket toward covered repairs after an accident. After the deductible is covered, the insurance company pays the claim according to the terms of the policy.

Liability claims do not require payment of a deductible.

How do auto insurance claims work? 

Call your agent or notify your insurer immediately if you are involved in an accident. They can help you initiate a claim to get repairs completed as quickly as possible.

You’ll need the following information to file a claim:

• Your policy number
• Full names of everyone involved in the accident
• Details of the accident
• The police report
• The other driver’s insurance company and policy number
• Photographs of any property damage

After you file an auto insurance claim, you’ll be assigned an adjuster who will help assess the damage and facilitate coverage according to your policy’s terms.

Each insurer handles claims differently, so it’s crucial to communicate with your adjuster about details such as whether you must take your vehicle to an approved mechanic, when you pay any deductibles and how long you have to complete the repairs.

What does auto insurance cover?  

The average auto insurance policy can offer numerous benefits, including:

Liability insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.
o Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits.
o Property damage liability coverage: This pays for damage to the other party’s property.
Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.

Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:

• Roadside assistance
• Rental car reimbursement
• Custom parts coverage
• Replacement cost vehicle coverage
• Vanishing deductibles
• Gap insurance

Is auto insurance required?  

The minimum amount of New Jersey auto insurance coverage is $15,000/$30,000/$5,000. In the event of a covered accident, your limits are:

• Bodily Injury Liability Coverage: Minimum coverage level is $15,000 per person and $30,000 per accident
• Property Damage Liability Coverage: Minimum coverage level is $5,000 per accident
• Personal Injury Protection (PIP): Minimum coverage level is $15,000
• Uninsured/Underinsured Motorist Bodily Injury Coverage: Minimum coverage level is $15,000 per person and $30,000 per accident
• Uninsured/Underinsured Motorist Property Damage Coverage: Minimum coverage level is $5,000 per accident with a $500 deductible

Drivers who have financed their vehicles might also be required to purchase collision, comprehensive, gap or other physical damage insurance in compliance with lender rules.

It is highly recommended that you carry more than just a minimum level of auto insurance on your policy, and we are the experts who can help you determine precisely which coverage is best for you.

What does auto insurance cost?  

Numerous factors can influence the cost of your auto policy, including:

• Your chosen coverage limits
• The value of your vehicle
• Your driving accident history
• Your history of claims on other auto policies
• Where you live
• How far you drive each year

It is possible for two drivers to have identical policies, but still pay different prices for them. However, we’ll make sure that we search our carrier network to help you find the policy that will offer you the most optimized price level for the benefits of your choice.


This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice.

You may wish to consult a competent attorney, tax advisor, accountant, or your own financial advisor. EMC Insurance Agency & Financial Services LLC dba I & E Insurance Agency & Financial Services is an Independent Insurance Agency, a Member of the Trusted Choice, Independent Agents of America & PIA contact your own advisors before making any financial decision. Services offered through independent NON-AFFILIATED ENTITIES

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