New Jersey Car Insurance Laws and Regulations
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New Jersey
Auto Insurance

Requirements of Motorists under NJ State Law

Everyone has an opinion about insurance. Some people believe it is a conspiracy to con hardworking people out of money. You can not imagine how much you need insurance until you something happens that you were not prepared for.

Weather its a car accident, a flu, a fire,or a theft these things happen all the time. You never know if or when something might happen to you. Don't be caught off guard by life's unpredictable events.

There are certain "requirements" that are applicable to each state and varies accordingly. We have attempted to compile all of the relevant information in to this single resource to help visitors know what is expected of them in regards to insurance.

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New Jersey Car Insurance Requirements

Coverage Minimum - *15/30/5

Coverage Explanation - Car insurance coverage in New Jersey must provide a minimum of $15,000 for injury liability for one person in an accident, $30,000 for all injuries in an accident, and $5,000 for property damage in an accident.

*You may choose a Basic Policy (10/10/5) instead.

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Important New Jersey Auto Insurance Laws!

1. Auto insurance is mandatory under New Jersey auto insurance law.

Important to Note:

Not Carrying Insurance

If you do not have any liability coverage, under New Jersey auto insurance law, you are responsible for paying for the pain, suffering and other personal hardships and some economic damages, such as lost wages, that you cause.

The insurer will not provide or pay for a lawyer to represent you if you are sued. Your assets will be at risk, including the risk of having money deducted from your wages if a judgment is entered against you. And, if you lack coverage and someone hits you, you cannot sue.


Types of Insurance

The Automobile Insurance Cost Reduction Act mandated that a basic policy be available to all drivers.

Basic Policy - This is a low-cost policy that provides minimum benefits. It is not for everyone, but it could be an option for those with few family responsibilities and few real assets to protect. This type of policy can provide a transition for younger drivers just starting out by providing basic, minimum protection when they may be least able to afford coverage.

Standard Policy - This policy provides more extensive protection. It is necessary for those with assets to protect.

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