Every Vehicle Registered In New Jersey Must Be Insured For

Why Is Vehicle Insurance Necessary?

Vehicle insurance is an important requirement for any vehicle owner in New Jersey. Not only is it important to protect your own personal assets, but also to protect other drivers and pedestrians in the event of an accident. According to the New Jersey Motor Vehicle Commission, all registered vehicles in the state must be insured to the minimum liability limits. Without insurance, drivers can risk license suspension and heavy fines.

What Are The Minimum Liability Limits?

The minimum liability limits for vehicle insurance in New Jersey depend on the type of vehicle owned. For cars and light trucks, the minimum liability limits are $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $5,000 for property damage per accident. For motorcycles, the minimum liability limits are $15,000/$30,000 for bodily injury and $5,000 for property damage. For mopeds, the minimum liability limits are $10,000 for bodily injury and $5,000 for property damage.

What Else Does Vehicle Insurance Cover?

In addition to the minimum liability limits, most vehicle insurance policies in New Jersey also cover uninsured motorist coverage, personal injury protection, and optional coverages such as comprehensive and collision. Uninsured motorist coverage protects you if you are injured in an accident caused by a driver without insurance. Personal injury protection pays for medical bills, lost wages, and other expenses related to an injury caused by an accident. Comprehensive and collision insurance covers damage to your car that is caused by events such as theft, fire, or hail.

What Are The Penalties For Driving Without Insurance?

Driving without insurance in New Jersey is a serious offense and can result in hefty fines and license suspension. If you are stopped by a law enforcement officer and you are unable to provide proof of insurance, you could face a fine of up to $300 and up to a one-year license suspension. If you are involved in an accident and you cannot provide proof of insurance, you could face a fine of up to $5,000 and up to a one-year license suspension.

How Can I Get Vehicle Insurance In New Jersey?

If you need vehicle insurance in New Jersey, there are several options available. The first option is to contact an insurance company directly. Most insurance companies offer vehicle insurance policies for vehicles registered in the state. You can also search online for vehicle insurance quotes and compare different policies to find the best one for your needs. Additionally, you can contact the New Jersey Motor Vehicle Commission for assistance in finding an insurance company that can provide you with the coverage you need.