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June 6, 2014 7:31 AM Subscribe
We will soon be owning and insuring a car in NJ, but are confused about how much coverage we should be getting. How much coverage do we need?
posted by ThePinkSuperhero to Travel & Transportation (8 answers total) 5 users marked this as a favorite
I know enough to know that the state minimums
($15k/$30k) are way too low to properly cover our liability in case of an accident, so how much should we be going for? The car is a 2006 Mitsubishi Gallant.
Also, it is worth paying for "accident forgiveness"? This is something our insurer (USAA) covers but having not owned a car in my adult life, I don't know if that's something worth paying for.