Liberty Insurance Associates

Auto Insurance

Get Insurance Protection That Works as Hard as You Do.

You’ve worked long and hard to build a successful life for your family. So naturally you expect your insurance company to put equal effort into protecting that success. We will — by providing comprehensive coverage, competitive pricing and exceptional service. In fact, when you choose us, you’ll get coverage that never stops working to protect you.

You know it’s important to drive defensively. We believe it’s equally important to insure defensively. To fully cover your car and its passengers, purchase appropriate automobile insurance. Our knowledgeable Agents can help you get an insurance policy to protect you from whatever comes your way.

NJ Auto Insurance Standard Coverages

Below are descriptions of New Jersey car insurance standard coverages that determine your liability coverage, collision coverage, and deductibles. Be sure to speak with your NJ car insurance broker to discuss what is right for you.

• Bodily Injury Liability
• Property Damage Liability
• Personal Injury Protection (PIP)
• Uninsured and Underinsured Motorists - Bodily Injury
• Uninsured and Underinsured Motorists - Property Damage
• Comprehensive
• Collision Physical Damage
• Substitute Transportation
• Towing and Labor
• Lawsuit Options: Unlimited Right or Limited Right

Bodily Injury Liability

• Protects you when you get into a car accident and you are at fault. This coverage pays for claims and lawsuits by people who are injured or die as a result of that accident. It compensates others for pain, suffering, and financial damages such as lost wages. Injuries to the people in your car, including the driver, are not covered under this coverage.
• Availability: The minimum limits of $15,000 per person and $30,000 per accident are required. You can purchase as much as $500,000 per person and $500,000 per accident.
• Considerations: The minimum limits of coverage are mandatory. You could be sued for more than the required limits for Bodily Injury Liability. Buying higher limits may protect you from large losses.

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Property Damage Liability

• Protects you when you get into an accident which damages another person’s car and/or property and you are at fault. This car insurance coverage pays for claims and lawsuits by people whose property is damaged.
• Availability: A minimum limit of $5,000 is required. You can purchase as much as $250,000 per accident.
• Considerations: Due to the constantly rising costs of automobile and property repair, you may want to consider purchasing more than the required $5,000 minimum limit, which may not be enough to cover the damages to a newer car.

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Personal Injury Protection (PIP)

• Protects you when you and other persons covered under your policy are injured in an auto accident. It is sometimes called “no-fault” coverage because it pays your own medical expenses, no matter who caused the auto accident. It pays for injuries that you and others suffer in an auto accident.
• Availability: The maximum PIP benefit covers $250,000 of medical expenses. You can purchase coverage as low as $15,000 of medical expenses. Coverage may also be provided for reimbursement for certain other expenses you may have because you are hurt, such as lost wages and the need to hire someone to take care of your home or family.
• Considerations: This coverage is mandatory. You may purchase a deductible, or designate your health insurance as primary coverage which would lower your premium but exclude you from certain coverage. Keep in mind your health insurance may not cover all of your medical expenses from an auto accident, such as cosmetic and dental services, co-payments and deductibles.

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Uninsured and Underinsured Motorists - Bodily Injury

• Protects you when you are hit by an uninsured driver, unidentified ("hit and run") driver, or a driver without sufficient bodily injury coverage.
• Availability: A minimum limit of $15,000 per person and $30,000 per accident is required. You can purchase as much as $500,000 per person and $500,000 per accident. This coverage does not pay for property damage or damage to your car.
• Considerations: The minimum limit of this coverage is compulsory. Some people buy only the minimum required amounts for Bodily Injury Liability or Optional Bodily Injury Liability. Therefore, selecting higher limits may protect you from incurring high personal injury expenses.

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Uninsured and Underinsured Motorists - Property Damage

• Protects you when you are hit by an uninsured driver, unidentified ("hit and run") driver, or a driver without sufficient property damage coverage.
• Availability: A minimum limit of $5,000. You can purchase as much as $250,000 per accident. This coverage does not pay for personal injury expenses.
• Considerations: The minimum limit of this coverage is compulsory. Some people buy only the minimum required amounts for Property Damage Liability. Therefore, selecting higher limits may protect you from incurring high property repair or replacement expenses.

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Comprehensive

• Protects you when your car needs to be repaired or replaced not as a result of a collision, but as a result of losses such as fire, theft, vandalism, glass, and striking an animal.
• Availability: This car insurance repairs or replaces your car. Your deductible will be set at $750 unless you select a different amount between $100 and $2,500.
• Considerations: The higher the deductible, the lower the premium. In determining the right deductible for you, decide how much you can afford to pay out of your own pocket. If your car is financed, your lender may require this coverage.

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Collision Physical Damage

• Protects you when your car is damaged as a result of a collision with another car or object.
• Availability: This coverage repairs or replaces your car. Your deductible will be set at $750 unless you select a different amount between $100 and $2,500.
• Considerations: The higher the deductible, the lower the premium. In determining the right deductible for you, decide how much you can afford to pay out of your own pocket. If your car is financed, your lender may require this coverage.

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Substitute Transportation (also known as car rental reimbursement)

• Protects you when you need transportation following the theft of your car.
• Availability: This coverage reimburses up to $15 a day for car rental or transportation costs including taxi, bus, and train fare (up to $450). In addition, you may purchase coverage for transportation costs while your car is undergoing covered repairs and for limits up to $50 a day (up to a limit of $1,500) can be purchased.
• Considerations: Keep in mind that even if you have this coverage, some car rental agencies may refuse to rent to you if you are under a certain age, a poor credit risk, do not have an acceptable credit card or have an unacceptable driving record.

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Towing and Labor

• Protects you when you need to tow your car when broken down or disabled as a result of an accident.
• Availability: Towing and Labor coverage pays up to $25 for towing and labor charges each time your car breaks down whether or not there is an accident involved. You are covered only for the on-site labor costs at the breakdown site (excluding parts) needed to get your car running again. In addition, coverage up to $75 per disablement can be purchased.
• Considerations: If you belong to a motor club, you may not need this coverage since many motor clubs' services include towing and labor.

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Lawsuit Options: Unlimited Right or Limited Right

• Protects you when you have pain and suffering caused by injuries not on the standard list of six specific injuries.
• Availability: The normal selection is “Limited Right to Sue.” Under the No Limitation on Lawsuit Option, you retain the right to sue the person who caused an auto accident for pain and suffering for any injury. By choosing the Limitation on Lawsuit Option, you agree not to sue the person who caused an auto accident for pain and suffering unless you sustain one of a specific list of six injuries.
• Considerations: The premium for “Unlimited Right” is significantly higher than “Limited Right.”

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The purpose of this information is to help you understand auto insurance, and how your individual needs are affected by the coverages and coverage limits you select. This information is a not intended to suggest or recommend specific coverage selections or limits that are right for you. It is important that your decision about coverage and coverage limits be based on the level of insurance protection that best meets your personal needs and financial position. A Liberty Insurance agent can help to explain all of these terms and selections, so you are able to choose the coverages and limits that most accurately protect you, your family and your property. This material is not a replacement for, or an addendum to, your policy contract. For a complete description of your coverages and definitions, please refer to your policy.

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Homeowners Insurance

Protection for your family

Liberty Insurance prides itself on taking your personal insurance concerns very personally. Through a wide variety of quality products, we can provide security for most any need.

Our personal insurance portfolio enables you to combine your home, auto, boat and most personal insurance policies into one convenient package with common policy dates and consolidated billing. In addition, we offer additional discounts that can help you control your insurance costs.

Whether you own or rent your home, have rental property or work out of your home, we have a homeowners insurance product that can meet your needs.

Whether your residence is near the coast, in the city, on the outskirts or town or in the country, Liberty Insurance offers a broad range of coverage options to protect your home, your possessions, you and your family.

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Renters Insurance

Renters need insurance too

Fire, storm, burglary — any one of these unfortunate facts of life could rob you of all you own with little or no warning. Your landlord’s insurance probably won’t help. It usually covers only his or her property, not yours. Protect yourself with a Renters Policy.

Renters need liability insurance.

Protecting your possessions is only part of our solution. Our Renters Policy also covers personal liability. If you, family members living with you or even a pet cause personal injury or property damage, you’re covered, as well.

Ask about our Renter's Policy today.

Our standard Renter's Policy offers many extras. For example, it covers*:

• Additional living costs, if fire or other damage forces you from your home
• Jewelry, furs, and other possessions
• Business property
• Credit cards
• Water damage

*Some limits may apply.

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Condos

Don’t find out the hard way that your condo association coverage falls short. It’s vital to have additional insurance to pick up where association coverage leaves off.

Loss Assessment Coverage: Protects you should your condominium association settle a legal judgment and ask you to pay your share.

Our condo owner’s insurance policy also includes additional coverage for:

Improvements: Whether built-in or freestanding appliances, window treatments, cabinetry, etc., the improvements you’ve made to your condo are covered.

Possessions: You’d expect us to cover your cash and securities, jewelry, watches, furs, boats, trailers, and so on. But we cover your guest’s property, too.

Liability: We provide coverage for personal liability and for medical payments to others.

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Flood Insurance

Flooding occurs in low-to-moderate risk areas as well as in high-risk areas. Poor drainage systems, rapid accumulation of rainfall, snowmelt, and broken water mains can all result in flood. Properties on a hillside can be damaged by mudflow, a covered peril under the Standard Flood Insurance Policy.

Structures located in high-risk flood areas have a significant chance (26 percent) of suffering flood damage during the term of a 30-year mortgage. A home mapped in a high-risk area is five times more likely to suffer damage from a flood than a fire in the lifetime of a typical mortgage!

For these reasons, flood insurance is required by law for buildings in high-risk flood areas as a condition of receiving a mortgage from a federally regulated or insured lender.

It's a good idea to buy flood insurance even if you live in a low- or moderate-risk area. Almost 25 percent of all flood insurance claims come from areas with low-to-moderate flood risk. You may qualify for the Preferred Risk Policy (a lower-cost flood insurance policy) that provides contents coverage beginning at $39 per year and building plus contents coverage beginning at $119 a year.

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Umbrella

In today's litigious society, legal judgments can often amount to millions, reaching well beyond the liability coverage limits of most auto and homeowners policies. Now is the time to protect your assets by supplementing any existing liability coverage with our Personal Umbrella Policy.

For a surprisingly low rate, you can increase your protection by $1,000,000 or more. Our Personal Umbrella Policy can protect you if you are sued for:

• Personal Injury: Includes shock, mental anguish, false arrest, wrongful entry or eviction, libel, slander, character defamation, invasion of privacy, etc.
• Negligent Damage: Includes property you rent out or use.
• Worldwide Coverage: Going wherever you go, your Personal Umbrella Policy is your passport to peace of mind.
• Liability Loss: Covered under your auto, home, or other personal insurance policies.

Personal Umbrella coverage provides excess liability coverage that goes beyond the liability coverage provided by your auto, home and other personal insurance policies.

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Boat & Yacht

Perhaps you bought a boat so you could relax and get away from it all. Or, maybe you’re a sailor at heart, drawn by the thrill of the sea and the sport. Whatever the reason, when you set sail, the last thing you want to worry about is your insurance protection.

With Liberty Insurance, you can help protect your boat—whether a small runabout, sailboat, yacht, or megayacht with a full-time captain and crew—with some of the most seaworthy coverage and service available on the open water.

Liberty Insurance offers protection that you often can't find elsewhere. All of which can help save you money, in some cases even thousands of dollars, in the event of a covered accident, theft or mishap on the water.

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Wedding Insurance

Why Wedding insurance?

You've put so much into your wedding…your heart, your time, and your money. But what if the bridal salon loses your dress? Or your caterer backs out? Or severe weather rolls in? Wedding insurance can protect your special day.

Unfortunately, some of what you've imagined can happen. A bride's most common "nightmare" is usually dress-related…it's damaged or defective, or the bridal salon goes out of business. Severe weather can wash out your big day. These are just some of the risks for one of the biggest investments you'll ever make (the average U.S. wedding is $27,000*). You'd protect your car, why not your wedding?

With wedding insurance you can protect yourself against:

No Dress: You can get repair or replacement cost if the bride's wedding gown or groom's tuxedo is lost or damaged.

Lost Deposits: We can reimburse your deposit if a vendor goes out of business, declares bankruptcy before your wedding, or simply fails to show up.

Lost Rings:You can receive repair or replacement cost if the bride's or groom's wedding band is lost or damaged.

Severe Weather:If severe weather (such as a hurricane) forces you to postpone your wedding, we can provide reimbursement for non-recoverable expenses.

Transportation Shutdown:If you have to postpone your wedding because a commercial transportation shutdown prevents the bride or groom or their parents from getting there, you can receive reimbursement for non-recoverable expenses.

Ruined Photos:If your photographer's film is defective, or negatives are lost or damaged, we can help reconvene your wedding party to take new photos or video.

Call to Duty:If the bride or groom is unexpectedly called up to duty, or her or his military or service leave is revoked, forcing you to postpone the event, we can provide reimbursement for non-recoverable expenses.

Damaged Gifts:You can get repair or replacement cost if your wedding gifts are damaged.

Sudden Illness:If the wedding needs to be postponed because sudden illness prevents the bride, groom or their parents from attending, you can receive reimbursement for non-recoverable expenses.

Venue Requires Insurance:As an additional option to your policy, you can add liability coverage to protect yourself in case a guest is injured or causes damage to property.

Additional Expense:If a vendor suddenly becomes unavailable for your event but you can find a last minute replacement, we can reimburse you for the difference in cost.

Start your Wedding Insurance Quote here!

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Identity Theft Protection

Did You Know That...

• The FBI calls identity theft the fastest growing white-collar crime in America?
• An identity thief could steal your identity to obtain money and property by using and ruining your good credit?
• 1 in every 27 consumers was a victim of identity theft in 2006?
• On average, victims spend up to 600 hours and $1,400 recovering from identity theft?

Liberty Insurance now offers an expanded program of protection that provides victims with resolution services to help them through the process of reclaiming their identity and repairing their credit record?

No One Should Be Without Identity Theft Protection

You can add identity theft protection program to a homeowners, condo or renters policy for just $25 per year. If you become a victim of identity theft, this program provides you with access to a consumer fraud specialist, who can guide you through the process of reclaiming your identity, including:

• Obtaining a free credit report from the three major credit reporting agencies
• Placing fraud alerts with all three credit reporting agencies
• Enrolling you in six months of daily credit monitoring
• Completing dispute letters on your behalf for approval and signature.

In some cases coverage will be provided for:

Lost wages (up to $1,000 a week for a maximum of 5 weeks)

Reasonable attorney fees incurred, with prior approval

• Daycare and eldercare expenses
• Notary and certified mailing charges
• Loan re-application fees, and
• Long distance phone charges.

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Valuables

Are your valuables worth more than $1,000? More than $5,000?

Valuable Articles Coverage

How much is your jewelry worth? Your collectibles, furs, wine collection, silver, china, antiques and artwork? Chances are, your homeowners policy isn't nearly enough to replace your valuables if they are ever lost, stolen or damaged. Which is why owners of growing collections rely on Valuable Articles insurance. It is remarkably easy to obtain, and provides features you won't always find in typical policies.

Valuable items that may need additional protection include:

• Jewelry
• Cameras
• Computers
• Unique Collections
• Artwork
• Musical Instruments
• Golf Equipment
• Silverware

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