Here is a more detailed explanation of how car insurance works in New Jersey:
* Liability insurance: This type of insurance covers the damages that you cause to other people or their property if you are at fault in an accident.
* Collision insurance: This type of insurance covers the damages to your own car if you are involved in an accident, regardless of who is at fault.
* Comprehensive insurance: This type of insurance covers the damages to your own car that are not caused by an accident, such as theft, vandalism, or fire.
In the state of New Jersey, all drivers are required to have liability insurance. If you do not have liability insurance, you could be held personally liable for the damages that you cause in an accident.
If your friend is driving your car and gets into an accident that is not their fault, the other driver's insurance will usually cover the damages. However, there are a few exceptions to this rule. For example, if the other driver does not have insurance or does not have enough insurance to cover the damages, your own insurance may cover the damages. Additionally, if your friend is found to be partially at fault for the accident, your insurance may only cover a portion of the damages.
It is important to note that the specific rules regarding car insurance can vary from state to state. Therefore, it is important to consult with an insurance agent or your state's motor vehicle department to learn more about the car insurance laws in your state.
