New Jersey requires motor vehicle drivers to have general liability insurance coverage. New Jersey drivers are required to be able to produce poof of car insurance when requested by a police officer or highway patrol. Additionally, proof of insurance is required when renewing your car’s registration or it is involved in an accident.
What is the minimum amount of liability insurance required by the State of New Jersey?
New Jersey’s minimum liability insurance amounts are:
- $5,000 total property damage per accident
- $15,000 bodily injury per person
- $30,000 total bodily injury per accident
Although New Jersey requires the above as the minimum insurance coverage requirements, most insurance professionals advise to get more coverage than the amount mandated by the state. Getting sufficient auto insurance will help to protect you and your assets in the event of a major, unforeseen accident. Most New Jersey drivers add an additional type of vehicle insurance called collision and comprehensive coverage to their car insurance policies to cover possible damage to their own motor vehicle as well.
What happens if I drive in New Jersey without insurance?
The penalties for driving without insurance in New Jersey are severe and may include getting a ticket, getting your vehicle impounded (taken away), and/or getting your drivers license suspended. The minimum amount of New Jersey state auto insurance is very affordable. Some car insurance policies are as low as $19/month in New Jersey.
What is Uninsured or Underinsured Motorist Coverage?
UM or UIM coverage is auto insurance coverage that protects a driver from damages if he gets in an auto accident and the other party involved in the accident does not have car insurance. New Jersey requires uninsured/underinsured motorist coverage and the minimum coverage amounts are required at the same level of your liability coverage.
What is No-Fault Car Insurance and Do I Need it in New Jersey?
New Jersey is a “No Fault State”. This means that policyholders HAVE to prove that they are not at fault in order to be reimbursed by their car insurance company. “No-Fault” states have laws that allow a car insurance policy holder to be reimbursed by their insurance company without proof of fault.
What I s Personal Injury Protection?
New Jersey requires Personal Injury Protection. Personal Injury Protection or PIP is additional insurance coverage that covers medical and hospital expenses, lost wages, etc. that are a result of an auto insurance accident. The minimum Personal Injury Protection insurance for New Jersey drivers is $15,000 per person per accident and up to $250,000 for injuries.
SR-22 or DUI Insurance Requirements for New Jersey
An SR-22 form is a vehicle liability insurance document that is filed with New Jersey’s Department of Motor Vehicles as proof that a New Jersey driver has the minimum amount of state mandated liability insurance coverage. New Jersey SR-22 filings are typically required to reinstate driving privileges after serious motor vehicle offenses such as a “Driving Under the Influence” (DUI) arrest and conviction, reckless driving, uninsured auto accident or driving without insurance. The State of New Jersey DOES require an SR-22 filing for a driver’s license to be reinstated.
What are New Jersey’s Driving Under the Influence (DUI) Laws?
It is illegal in the United States to operate a motor vehicle with a Blood Alcohol Content (BAC) of 0.08% or higher. If a New Jersey driver’s Blood Alcohol Content is determined to be above the legal limit of 0.08%, the first DUI offense penalties for the State of New Jersey are:
- 30 days imprisonment
- Up to $500 fine depending on BAC
- 3-month license suspension
- Court-ordered installation ignition interlock device – this requires the offender to blow into an apparatus prior to being able to start their vehicle.
- 3-year $1000 car insurance surcharge
- Minimum fee of $525 for DWI
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