New Jersey insurance information
Required Minimum Bodily Injury and Property Damage Coverages for Motor Vehicle Insurance Policies and Standard Automobile Insurance Policies. In New Jersey, a Motor Vehicle Insurance Policy includes a motorcycle insurance policy. A Standard Automobile Insurance Policy is different from a Basic Automobile Insurance Policy.
For motor vehicle and standard auto policies, the following minimum Bodily Injury coverage is required:
- $15,000 per person injured in any one accident and $30,000 for all persons injured in any one accident
In addition, the following minimum Property Damage coverage is required:
- $5,000 for injury to or destruction of property of others in any one accident
Optional Basic Automobile Insurance Coverage
- This coverage is a "No-Fault" policy, and it pays medical expenses of the policyholder regardless of fault. However, it prevents an injured person from filing suit against a negligent driver. If elected, the bodily injury coverage requirements stated above do not apply. Instead, the policyholder gets a Personal Injury Protection policy, which pays the policyholder, those riding with him or her, and pedestrians for injuries regardless of fault. It covers medical expenses of $15,000 per person, but cannot exceed $250,000 per person for medical treatment for permanent/significant brain injury, spinal cord injury, disfigurement, or treatment of any other permanent or significant injuries. It limits property damage coverage to $5,000. The policyholder can then choose whether he or she wants to purchase an optional bodily injury coverage policy of $10,000 per person. This coverage is not available to motorcycle owners.
Optional Uninsured (UM) and Underinsured Motorist (UIM) Coverage Available to those Purchasing Standard Automobile Insurance Policies.
- UM/UIM is only offered to those purchasing standard automobile insurance policies. If purchased, the coverage must be at least $250,000 per person injured in any one accident, $500,000 for all persons injured in any one accident, and $100,000 for property damage.
Tort Limitation Option
- In exchange for a reduced premium, a policyholder can limit his right to sue.
Special Rules for Motorcycle Owners.
- No-Fault coverage is not available to motorcycle owners.
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Please note: State law information collected from LexisNexis™ electronic database in 2003. Our lawyers are licensed to practice law in Maryland, Ohio, Pennsylvania, and West Virginia and associates with experienced attorneys in other states .
The materials at this web site have been prepared by our Law Firm for information purposes only and should not be construed as legal advice or legal opinion on any specific facts or circumstances. These materials do not, and are not, intended to constitute legal advice. Readers should not act upon this information without seeking professional counsel.
The information provided at this site is subject to change without notice. While we strive to keep our site updated, insurance options may change from time to time. Be sure to confirm insurance requirements with your insurance representative. The state insurance summaries are provided as a general guide only. Before purchasing insurance, we recommend that you research and understand all available and required options. We also recommend that you protect yourself by purchasing adequate amounts of insurance.
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