Tuesday, March 23, 2021

NJMVC Insurance Requirements

 All drivers in New Jersey must provide proof of insurance when operating any vehicle. Failure to do so can result in hefty fines and suspension. Having insurance is just as important as having a title on your car or registering it with the MVC.


All vehicles registered in New Jersey require three types of mandatory insurance:

Liability insurance pays others for damages that you cause if you are responsible for an accident. It does not cover medical expenses.
Personal injury protection (PIP) pays medical expenses if you or other persons covered under your policy are injured in an automobile accident. Often called No Fault coverage, it pays your medical expenses if you were or were not at fault.
Uninsured motorist coverage protects you if you are in an accident with someone who doesn’t have proper insurance coverage. https://www.state.nj.us/mvc/vehicles/insurancerequirements.htm




 

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Thursday, March 18, 2021

Elizabeth, NJ Home Insured By O'Donnell Agency for 55 Years!

In August 1966 a home at 580 Adams Avenue in Elizabeth New Jersey was insured through the O'Donnell Agency until November 2020 when the house was sold. Below are the original AETNA Casualty and Surety Company (Hartford, Connecticut, A Stock Insurance Company) insurance  declaration pages which at the time were written for 3 year periods.
Purchase of home was $18,000.00 August 15,1966.
Mortgage Payment was $108.75 per month on a $16,200.00 loan.
The Insurance Premium was $53.00 per year.
The 3 year cost was $159.00.