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Answered 2012-03-19 21:02:02

Auto insurance is required in New Jersey. As a New Jersey driver, you have many choices when it comes to purchasing auto insurance. Each choice you make affects the coverage you receive and the amount you pay.

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Unless you have an uninsured motorist coverage attached to your PLPD policy, you are otherwise screwed. Your only other option beyond this is to sue the driver if they got caught. Well we all know lawsuits can only be so effective but they can take time and money to complete. Even if you win you aren't guaranteed any money, if the other party ever pays at all. Moving on, PLPD only covers any at fault accidents YOU may have. When I had my first car I had PLPD BUT I had an uninsured motorist coverage on my policy. It turned out that was the right thing to do because I was involved in a hit and run myself, and since the other party was deemed as having no insurance, my car was paid for.


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