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New Jersey Car Insurance Requirements

New Jersey Car Insurance Requirements

If you reside in New Jersey, you are required to carry auto insurance to legally operate a vehicle on public roadways

. If you are quoting New Jersey car insurance, it is important to understand the state laws and which coverage options are required to satisfy financial responsibility laws. If you fail to comply with the insurance laws set by the state and you are cited for driving without insurance, you could face severe punishments. Punishments for failing to carry continuous car insurance include license suspension, vehicle registration suspension, exorbitant fines and jail time of 6 months or less. Protect yourself and your assets by carrying state mandated coverages.

Liability

The state requires drivers to carry liability insurance to protect the interests of a third party who you may injure. Liability is designed to pay for injuries and damages to a third party's person or property up to the limits stated on your policy declarations page. New Jersey car insurance laws require drivers to carry a minimum of $15,000 per person/ $30,000 per accident for Bodily Injury and $5000 per accident for Property Damage. While it is recommended to carry higher limits to protect yourself from judgments if you cause excessive damages or injuries, carrying the state minimums will satisfy financial responsibility requirements.

Personal Injury ProtectionNew Jersey Car Insurance Requirements


Personal Injury Protection is designed to pay for reasonable and necessary medical expenses relating to an auto accident for you and your passengers. Personal Injury Protection, also referred to as PIP coverage, does not factor in fault and will pay no matter if you are at-fault or not at fault. New Jersey state law required drivers to carry no less than $15,000 of PIP coverage.

Uninsured Motorist Coverage

While Uninsured Motorist is optional in most states, New Jersey law requires drivers to carry at least $15,000 per person/$30,000 per accident in coverage to protect against injuries caused to you and your passengers by an uninsured driver. While this may seem excessive due to the fact that law requires all drivers to carry insurance, as with any law there are people who choose to drive illegally. Drivers will also receive Uninsured Motorist Property Damage protection, which will cover at least $5000 of damages, caused to your vehicle by an uninsured driver.

While some states only require drivers to carry liability insurance, New Jersey is one of the few states requiring liability, Personal Injury Protection and Uninsured Motorist coverages. If you are quoting auto insurance, consider using convenient quote and bind tools available online, or consult a reputable insurance agent in your area. Compare policy premiums and coverage limits to build a policy that protects your assets and your vehicle in all situations. By choosing a comprehensive policy, you will have the peace of mind you need when hitting the highway.

by: 4pr1Lson
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