MOUNTAINSIDE, N.J., Jan. 14, 2014 /PRNewswire/ — In his new book, New Jersey Car Insurance Buyer's Guide, Francis M. Smith, Esq. (www.FrankSmithLaw.com), a NJ personal injury attorney, educates drivers on the advantages of a Standard Policy, the risks of Basic Policies, personal injury protection, or PIP Primary vs. Health Care Primary, and coverage limit levels.
(Photo: http://photos.prnewswire.com/prnh/20140114/PH45750-a )
(Photo: http://photos.prnewswire.com/prnh/20140114/PH45750-b )
With nearly 6 million NJ licensed drivers traveling over 73 billion miles a year on 39,000 public roads[i], driving in NJ is risky business. Governor Christie aide Bridget Anne Kelly's now infamous email directing lane closures at the George Washington Bridge and the traffic backup it caused demonstrates how frustrating – and precarious it can be for drivers in NJ.
Auto insurance coverage is compulsory for NJ drivers, but is not required in all states. And those who purchase bare-bones automobile insurance policies may expose other drivers to medical and financial loss if they suffer serious bodily injury in a car accident.
"In my thirty years of experience I have found most people don't have the right car insurance," laments Mr. Smith. "They lack the right kind of insurance or have an inappropriate amount to protect themselves. Insurance companies generally do not provide consumers enough information, possibly to minimize their own risk at the expense of their customers," he warns.
The book is available to NJ residents for free at www.njcarinsuranceguide.com.
The book contains straightforward advice and an easy to read checklist for choosing an auto insurance policy to afford protection and benefits for the policyholder in the event of an auto accident. Complicated insurance terms are simplified and explained in this easy to read, no-nonsense guide. Mr. Smith notes, "I don't sell car insurance but I see the devastation that families suffer because they did not buy the right car insurance." The author provides the book to NJ residents for free to fill an educational void left by insurance sales agents who do not explain how 17 cents a day dramatically reduces risk from insufficient coverage.
About Francis M. Smith, Esq., NJ Personal Injury Attorney
The author draws on over thirty years of experience as a personal injury attorney and acting as in-house counsel two different insurance companies. Mr. Smith has law offices in Mountainside, Morristown, and Annandale, NJ. He has recovered more than $34 Million for injured clients since opening his solo practice in 1996.
Media Contact:
Francis M. Smith, Esq.
(908) 233-5800
www.FrankSmithLaw.com