Liability and PIP
Review bodily-injury/property-damage liability and personal injury protection under New Jersey's Basic or Standard choices. Ask which limits actually appear on a proposal.
UPIX Insurance · Roselle borough, Union County
For a Roselle household with a first driver or another vehicle, the right starting point is a clear list of who drives what. UPIX helps you ask the right coverage questions from its single Elizabeth office.
One physical office: 729 Edgar Rd, Elizabeth, NJ 07202. English and Spanish assistance. A quote request does not bind or change coverage.
Leer esta página de Roselle en españolStart your auto quote
Step 1 of 2Tell us a little about you and your vehicle to get started.
Your circumstances, not a generic city price
A family member who drives occasionally, a student returning home, and a vehicle kept at another address may each affect the conversation. Explain the real arrangement rather than choosing a policy based on a city label.
List the drivers and cars in your household before a follow-up call.
Start with your name, ZIP code, contact preference, language, and vehicle year/make/model. A VIN, driver details, and history may be needed later through an appropriate channel; do not send Social Security numbers, payment details, or full license numbers in the initial form.
Understand the differences
Review bodily-injury/property-damage liability and personal injury protection under New Jersey's Basic or Standard choices. Ask which limits actually appear on a proposal.
Collision and comprehensive are separate options, subject to carrier and policy terms. A deductible affects what you pay after a covered loss.
Disclose garaging, drivers, delivery or rideshare use. Insurer approval, coverage, terms and rates are not guaranteed.
Practical answers
Every situation is different. Contact UPIX to review the actual terms offered to you.
Do not assume so. Tell UPIX who is licensed or learning to drive and ask the insurer how its policy treats those drivers.
Not always. The household, vehicle ownership and insurer's rules determine how vehicles may be arranged; ask for a review.
New Jersey says the Basic Policy has limited benefits. Compare its liability, PIP and other limits with a Standard Policy before deciding.
Provide the true garaging location during follow-up. A household's mailing address alone may not describe every vehicle.
Our one office
Hours: Monday–Friday, 9:00 AM–5:00 PM ET; Saturday–Sunday closed. Holiday hours may differ; call before visiting.
Next step
Tell us the basics; an online request does not activate coverage.