It would be recommended that you read and follow the rules of a top NJ based insurance company. This means learning the insurance laws, technicalities and statistics. As some states may differ in laws, NJ may have distinct laws that, say, Georgia, may not. To learn about NJ car insurance and their policies, I would recommend visiting the NJ state site, which could be found here; www.state.nj.us/dobi/division_consumers/.../everythingauto2006.pdf