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Listed at rock bottom of the page area unit the states and what insurance is needed minimum for bodily injury Liability and property injury. For example: NJ insurance / New Jersey automobile insurance is listed as New Jersey 15/30/5. The last selection is property injury. NewJersey automobile insurance needs $5,000 Minimum to repair one thing the automotive hits. the first selection refers to the amount needed minimum for each person hors DE combat. therefore NJ automobile insurance should be a minimum of $15,000 for each person. The second selection refers to the minimum amount of coverage needed, that the insurance pays,for all hors DE combat people in associate accident. New Jersey insurance you'd like $30,000 minimum in coverage. Let's ponder this: If there is a ugly wreck and 4 people area unit hors DE combat, that's very getable, all four people head to the hospital and costs area unit $15,000 each. alone NJ insurance minimum was purchased. automobile insurance in New Jersey pays $15,000 for 2 people as a results of,the automobile contract purchased will alone have a most of $30,000. United Nations agency pays for the other 2 people? generally the actuation guilty. Now, you are doing not need to get merely the minimum. you will get following amount of coverage. And knowing hospital bills area unit rediculously high, you'd probably wish it. My baby girl was airlifted to Children's Hospital in Chicago once she was half-dozen. there is no child discount. With the aircraft and a combine of day keep it worth regarding $40,000. She's fine presently, but it ruined that summer. Leg bust in 3 places. presently it's 3 years later and he or she is doing cartwheels and flips. need to be compelled to like hospitals. I recommend $100,000 Bodily Injury coverage for each person and $300,000 total per accident. it ought to worth further, but it's going to be worthy. to boot bear in mind, Higher automobile insurance deductibles mean Lower monthly insurance costs.