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American Insurance can help you with auto insurance in Cranford NJ, East Brunswick, Edison NJ, New Jersey, Old Bridge or Scotch Plains. We all want the same thing when it comes to auto insurance – the best coverage at the lowest possible price. To get that you need to deal with an independent agent that has the right contacts and the right knowledge.
Auto insurance can cover liabilities, your vehicle or vehicles, as well as valuables inside your vehicle. Liability or 3rd party insurance is compulsory in law. You are not allowed to drive a vehicle on public roads if you do not have sufficient liability cover. Liability insurance covers injury or damage to 3rd parties that result from your driving. It is part of your social responsibility to be able to compensate others for such damage or injury.
Liability insurance only covers losses to 3rd parties. That still leaves you at risk for your own damages and possible injuries. You auto insurance should include collision cover and some form or personal injury cover. You need medical coverage to yourself as well as passengers in your vehicle. If you operate a commercial transport service then passenger liability insurance is compulsory.
Collision insurance covers you for damages sustained due to a road accident or collision. However, it won’t cover you for other events such as storm damage or car theft. For that you need comprehensive insurance.
Auto insurance can be tailored to your needs. For example, you might want to include other vehicles or specialty vehicles, such as a vintage car, a trailer or a boat. Auto insurance can cover all your vehicles, from your main car to your truck, motor cycle or boat. American Insurance can get you the best coverage’s at the best rates.