Thursday, June 2, 2011

New Jersey Auto Insurance - Why So Expensive?


New Jersey auto insurance is compulsory for driving a vehicle in New Jersey. Auto insurance law of New Jersey offers easy options for insuring your vehicle. However, there is no single standard cost or type of coverage under New Jersey auto insurance. You pay a particular percentage depending on different determinants like your age, your marital status, make of your vehicle, particular place, driving habits, etc. You decide on specific quote after considering and reviewing options of different insurance companies.

Why do I need auto insurance?

If you drive without New Jersey auto insurance, you face severe penalties like suspension of your driving license, hefty fines, suspension of vehicle registration, jail terms, etc. You also pay for lost wages, pain, and other sufferings of people in case of any accident.

Types of New Jersey auto insurance policies

New Jersey auto insurance offers two types of insurance policies:

Basic Policy - This low-cost policy is compulsory for all drivers. Although benefits are few, you receive basic and minimum protection at affordable rates. This policy is most suitable for new and young drivers.

Standard Policy - You receive widespread protection covering your assets but at higher rates than basic policy.

Coverage available under auto insurance

New Jersey auto insurance offers different coverage according to your policy.

Property Damage Liability - When you cause any accident and damage other's property, you receive $5,000 per accident coverage under basic policy but receive higher coverage under standard policy.

Bodily Injury Liability - This covers injury claims of people affected by your accident. Basic policy offers an optional overall coverage of $10,000 per accident for all affected persons. Standard policy offers coverage of $15,000 per person for each accident and overall $30,000 for all persons in accident with higher limits.

Personal Injury Protection - This provides coverage for physical injuries to you and others under your policy. Basic policy offers coverage of $15,000 per accident per person with maximum limit of $250,000 for permanent injuries or other specifically mentioned injuries. Standard policy offers minimum coverage of $250,000 per accident per person and up to $250,000 for any permanent injuries. You can select specific coverage limits under standard policy.

Basic policy of New Jersey auto insurance does not offer any comprehensive, collision, underinsured or uninsured motorist coverage. Standard policy though provides optional comprehensive and collision coverage and underinsured or uninsured motorist coverage.








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NYC official approved to head Newark schools

See it on TV? Check here. AP  Eyewitness NewsNEWARK, N.J. -- A new superintendent for the Newark school system has been formally appointed.

New Jersey's state Board of Education voted unanimously Wednesday to approve Cami Anderson to run the state-operated Newark Public Schools.

The 39-year-old Anderson was the former head of programming for the New York City-based New Leaders for New Schools.

She will succeed Clifford Janey as superintendent of the 40,000-student district.

Janey resigned in January, four months after Gov. Chris Christie decided not to renew his $280,000-a-year contract.

Details of Anderson's salary and benefits are still being worked out. She's scheduled to start in two weeks.

Her selection was first announced in May.

(Copyright ©2011 by The Associated Press. All Rights Reserved.)
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NJ Transit expands quiet car program to Hoboken

One of New Jersey Transits new multilevel trains arrives for the first time on a regularly scheduled run at Newarks Penn Station Monday, Dec. 11. 2006. (AP Photo/Mike Derer) One of New Jersey Transit's new multilevel trains arrives for the first time on a regularly scheduled run at Newark's Penn Station Monday, Dec. 11. 2006. (AP Photo/Mike Derer)

  Eyewitness NewsHOBOKEN (WABC) -- New Jersey Transit's "quiet commute" program is expanding to Hoboken Wednesday.

All NJ Transit trains in and out of Hoboken will have one car where using a cell phone or talking loudly is prohibited.

The designated quiet car will be either the first or last one, depending on which direction it is traveling.

NJ Transit officials say they now has quiet cars on all peak service trains.

---
ONLINE: njtransit.com

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Hoopla, hype hover over unsettled GOP field

AP  By CHARLES BABINGTONWASHINGTON -- Sarah Palin draws crowds with her hide-and-seek bus tour. Michele Bachmann says Palin's plans won't dissuade her from her likely presidential bid. Iowa GOP activists travel to New Jersey to implore Gov. Chris Christie to run, and Texas Gov. Rick Perry weighs a campaign.

The Republican presidential field is far less settled than it seemed just a week ago, and it shows few signs of jelling soon.

With campaigning off to a slow start in early-voting states, half a dozen potential candidates are mulling whether to jump in.

So keen is the interest, among journalists at least, that two news helicopters tracked Palin's East Coast bus trip to Philadelphia on Tuesday.

The stepped-up interest follows decisions by three prominent Republicans - Haley Barbour, Mike Huckabee and Mitch Daniels - to forgo a campaign, making the field less crowded than some had expected.

Meanwhile, GOP activists don't appear ready to start narrowing their choices just yet. They seem unconcerned that an important Iowa straw poll is 74 days away and President Barack Obama's re-election team is setting up shop in dozens of states.

Unease about presumed frontrunner Mitt Romney is prompting some Republican activists to continue casting about for new faces, such as Perry or Christie, or even familiar faces, such as Palin or Rudy Giuliani.

Other party insiders, however, say the talk is unfair to Romney and other candidates. Several of them could prove to be formidable challengers to Obama, these Republicans say.

"Look at the housing numbers today," said Republican consultant Danny Diaz, referring to a key index of home prices that hit its lowest level in nine years. Obama will be vulnerable on housing, jobs and the overall economy, Diaz said, and the eventual Republican nominee's clout will make the current hand-wringing seem foolish in retrospect.

One thing is non-debatable: The race is off to a much slower start than was the 2008 version.

In Iowa, which holds the nation's first caucus, campaign traffic had reached deeply into the 99 counties at this stage four years ago. Now, it has barely scratched the surface, said Crawford County GOP Chairwoman Gwen Ecklund.

Former Minnesota Gov. Tim Pawlenty has visited the state more than a dozen times. And Bachmann, a third-term U.S. House member from Minnesota, has signaled plans to campaign aggressively in Iowa if she runs for the nomination.

But only former Sen. Rick Santorum of Pennsylvania, who registers scant support in national polls, has visited Ecklund's county, part of GOP-rich western Iowa. "There isn't a whole lot of commitment or excitement for any one candidate yet," Ecklund said.

The biggest excitement in recent days has surrounded Palin, the former Alaska governor and 2008 vice presidential nominee. Her bus tour, which stopped Tuesday at the Gettysburg battlefield, Liberty Bell and New York City, is equal parts carnival, photo op and breezy history lesson.

Her scheduled meeting with real estate mogul and almost-candidate Donald Trump did nothing to tamp down the frenzy and frothiness.

Palin refuses to give reporters her schedule, and then gently upbraids them for their pell-mell efforts to locate, photograph and interview her. It's not clear that she will run for president, and some suspect her "One Nation" tour is designed mainly to support her lucrative book sales and TV appearances. If Palin does run for president, many Republican strategists feel she will do poorly, as her combative nature has driven down her approval ratings among GOP voters and others.

Yet by some counts, more than 100 journalists trooped alongside Palin in Philadelphia, an entourage that Pawlenty and others can only dream of. "It's quite chaotic anywhere we get off on the bus," Palin acknowledged.

Rich Nutinsky of Chadds Ford, Pa., returned to downtown Philadelphia on Tuesday after failing to find Palin there Monday.

"I wished her luck and told her I supported her," Nutinsky said.

"To me, she's a breath of fresh air."

Palin said she has not decided whether to run, even as she fueled speculation by saying her bus tour eventually will reach New Hampshire and Iowa.

In New Hampshire, Bachmann hinted Tuesday at her own likely campaign. She participated in WKXL radio's "Road to the Whitehouse" series, repeating earlier statements that she thinks the race can accommodate herself and Palin.

Some political strategists doubt it. Palin and Bachmann appeal to social conservatives and non-establishment Republicans, including many tea party advocates. Such voters are more prominent in Iowa's caucus than in New Hampshire's primary.

Even if someone like Bachmann does well in Iowa, it's not clear she could carry her success into New Hampshire, seen by many as playing a more important role in the nominating process. Romney, the former Massachusetts governor who spent heavily in Iowa but lost four years ago, is paying considerably more attention this year to New Hampshire, where he has a second home.

Former Utah Gov. Jon Huntsman, seen as a potentially strong rival to Romney and Pawlenty, has virtually ignored Iowa thus far.

Former House Speaker Newt Gingrich, however, has begun building a network there.

Republican activists who are dissatisfied with the field are urging Christie and Perry, among others, to overrule their earlier decisions not to run. It may be a tough case to make, said veteran Republican strategist Terry Holt.

"It's far easier to test the waters than to commit to a very long, very expensive, very hard campaign," Holt said. "A lot of Republican activists would like to have a silver bullet in the gun, but I don't think there are any silver bullets."

Nominations usually go to battle-tested candidates who can raise money, inspire grassroots groups and survive "a long, hard slog," Holt said.

Some campaign veterans say the contenders most likely to fill that bill are Romney, Pawlenty and Huntsman, although Palin's star power is hard to measure.

Carl Forti, a Republican strategist and fundraiser, said the hoopla surrounding Palin's tour and the entreaties to Christie and Perry may be footnotes in the 2012 election story.

"Only a small percentage of the Republican primary electorate is paying attention," Forti said. "I don't think what is happening now has much impact."

For all the talk of new faces, Forti said, Romney "has a good shot to win the nomination" and to give Obama a strong challenge.

The election will turn on jobs and the economy, he said, "and that is Romney's bread and butter."

---
Associated Press writers Tom Beaumont in Des Moines, Holly Ramer in Concord, N.H., Patrick Walters in Philadelphia and Beth Fouhy in New York contributed to this report.

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Cops: Man sets fire to home with brother inside

See it on TV? Check here.  Eyewitness NewsFAIR LAWN (WABC) -- A New Jersey man is facing attempted murder and arson charges after he allegedly started a fire in his parents' home, which was ocupied by his brother at the time.

Bergen County Prosecutor John Molinelli on Tuesday announced the arrest of 28-year-old Brian Marrone, of Fair Lawn.

At approximately 2:50 p.m., on Friday, May 27, Fair Lawn police and fire fighters responded to a 911 call that reported a house fire at 412 Legion Place. The first responders arrived to find a rear corner of the house fully engulfed in flames. The fire intensified and extended into an attic space and the roof rafters before it was extinguished.

The homeowner's son escaped the flames without injury.

Investigators determined that the fire had been intentionally set by an individual who had pried up the house's aluminum siding and applied an external heat source to the wood siding and insulation beneath it.

Early in the investigation, Marrone, another son of the home's owners, was identified as a person of interest.

Marrone had been in contact with the Fair Lawn Police Department earlier in the day, reporting that an unidentified man had threatened to set fire to the residence.

During the course of the investigation, detectives determined that Marrone himself had set the fire. Neighbors told Eyewitness News that the suspect was adopted and had emotional problems.

State records records show he was sentenced and served time in prison for an arson in 2006 before getting out in 2010. He was arrested most recently in March in a theft/fraud case.

Marrone is charged with first-degree attempted murder, second-degree aggravated arson, third-degree arson and failure to report a fire. Bail was set at $1 million with no 10 percent option available.

(Copyright ©2011 WABC-TV/DT. All Rights Reserved.)
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NJ assistant fire chief dies after responding to call

See it on TV? Check here.   Eyewitness NewsFLANDERS (WABC) -- An assistant fire chief in New Jersey died after responding to an emergency call.

Officials say 42-year-old Thomas Shields was the assistant chief of the Flanders Fire Department.

He had responded to a call of a child suffering from heat stroke Tuesday.

After he returned to the firehouse, Shields complained he didn't feel well and went home.

Soon after, his wife called for an ambulance. He was rushed to the hospital where he died.

There is no word yet on the cause of death.

(Copyright ©2011 WABC-TV/DT. All Rights Reserved.)
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