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New Jersey Car Insurance
New Jersey Auto Insurance Laws
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 insured, 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 insured gets a Personal Injury Protection (PIP) policy, which pays
the insured, those riding with him or her, and pedestrians for injuries,
regardless of fault. PIP 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 insured 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.
List of New Jersey Cities :
New
Jersey Car Insurance
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