Over $250 million in verdicts and settlements
the past 5 years alone.
Serving New Jersey families for 70 years.
$7 million verdict for a woman injured by an electrical shock.
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— Attorney David Wheaton
$11 million settlement for auto accident resulting in wrongful death.
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Home  >  FAQs  >  What is the difference between the "Standard Policy" and the "Basic Policy"?

What is the difference between the “Standard Policy” and the “Basic Policy”?

Under the new Act, drivers are required to choose either the Standard Policy or the Basic Policy. Under the Standard Policy, individuals will receive the normal liability insurance coverage that existed prior to the Act. Under the Basic Policy, however, there is generally NO liability insurance coverage available. As a result, persons who select the Basic Policy will be expected to defend themselves without the aid of attorneys appointed by their insurance company. Furthermore, individuals who select the Basic Policy will be personally liable for the payment of any judgments entered against them. It is important to note that not only may your personal property and possessions be used to satisfy any such judgment, but that your driver’s license will likewise be suspended until the judgment has been paid in full. As a result, we strongly recommend that you select the Standard Policy.