A Brief Review Of New Jersey Auto Insurance Requirements

It is up to each state to dictate what the minimal car insurance requirements are.  While every state will require that its residents have car insurance, they will all determine on their own what the car insurance rates should be.  So, if you are familiar with what the insurance rates are in say Illinois or Alabama, it will not be useful in New Jersey. Typically, this is not a problem because car insurance companies will start any plan with whatever the basic legal requirements are within the state.  However, this will not always be the case.  What follows is a brief review of New Jersey auto insurance requirements to let you be as well informed as possible.  Let’s begin!


Requirement 1:  Property Damage Liability

Property damage liability is put in place to help cover claims and lawsuits from those who lose property as a result of an accident that you are responsible for.  If you damage someone’s property, money from this coverage will be sued to cover the costs.  To meet the basic legal requirements, the insurance coverage must be at least $5,000 per accident.  Be aware that this amount can go upwards of $100,000+ depending on how extensive you want the coverage to be.


Requirement 2:  Personal Injury Protection

Personal injury protection is the second New Jersey auto insurance requirements that you will have to have covered.  Personal injury protection will cover injuries sustained in an accident by you or another person as covered by your policy.  The basic requirement stated by New Jersey is $15,000 per person.  Depending on the amount you want to invest, you can go upwards of $250,000 or more with full coverage.



There are several kinds of insurance that New jersey does not require that other states do require, as well as forms of insurance coverage rarely covered by other states.  Bodily Injury Liability is not a basic requirement, but it is highly recommended that a person at least get the minimal amount of it.  Uninsured motorist coverage is another requirement in many states that is not required in New Jersey.  Finally, both collision and comprehensive are two options that are popular among drivers but not listed under New Jersey auto insurance requirements.  Figuring out what insurance options are right for you will depend a lot on the amount you are willing to spend and the amount of coverage you need for your car. Be sure to look around for the best insurance option for you. Do not be afraid to take your search for New Jersey Auto Insurance online here newjersey-insurance.net/new-jersey-auto-insurance. Good luck determining the right insurance level for your needs!