What is NJ Personal Injury Protection (PIP)?

NJ Personal Injury Protection (PIP) covers medical expenses regardless of fault in an auto accident.

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Personal NJ

Standard Auto NJ

NJ standard auto coverage from a licensed independent agent. Kevin reviews and responds personally.

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Call 732-944-1791

Resident Producer Verified • NJ License #3003694894

Local Underwriting

Licensed Garden State agency matching local data to A-rated NJ paper.

Kevin Brown Insurance Agency

Licensed Agent

Accident Forgiveness

Glass Replacement

Engineered for Peace of Mind.

Every policy from Kevin Brown Insurance Agency comes standard with modern features designed to make your life easier and your protection stronger.

Accident Forgiveness

Your rates won't go up after your first accident.

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Glass Replacement

Zero-deductible NJ glass repair coverage.

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How to get covered

Independent agents shop multiple carriers. Kevin does that, and he also has access to E&S markets for risks standard carriers decline. Here's how the process works.

Tell us what you need

Fill out the Get Covered form. It takes about two minutes. Select your coverage type and answer a few questions about your situation.

Kevin reviews and responds

Kevin personally reviews every submission and responds with real options. No quote engines. Most NJ submissions get a lightning-fast response on business days.

You choose and bind

Once you select the right option, Kevin handles the paperwork and gets your policy issued. You get a copy of your declarations page as soon as it's bound.

Why an independent agent?

Captive agents (like those at State Farm or Allstate) work for one carrier. Kevin works for you, shopping your risk across dozens of carriers to find the best fit, including E&S markets when standard options aren't available.

Carriers shopped30+

NJ counties servedAll 21

Typical response timeLightning fast

E&S market accessYes

Quote intake is open 24/7. Kevin reviews and responds during business hours, Mon–Fri 9 AM to 5 PM.

Get CoveredCall 732-944-1791

NJ Producer License #3003694894 · No call center

Frequently Asked Questions

NJ requires $25,000/$50,000 bodily injury and $25,000 property damage under the Standard Policy. NJ is a no-fault state so Personal Injury Protection (PIP) is also mandatory. Most drivers benefit from limits above the state minimum.

New Jersey consistently ranks among the most expensive states for auto insurance due to high population density, traffic congestion, and the no-fault PIP system. As an independent agent, Kevin shops multiple carriers to find competitive rates for your specific situation.

Yes. Kevin Brown Insurance Agency offers direct human binding — coverage can often be bound the same day you call, without automated hold queues or 48-hour waiting periods.

Driving uninsured in NJ results in fines up to $1,000, license suspension, and potential jail time. NJ also has a surcharge system that can add thousands in fees. A lapse in coverage can also significantly raise your future premiums.

Still have questions?

Call Kevin directly: 732-944-1791

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