If you live in New Jersey you know it is home to a lot of great things like the best diners, boardwalks and tomatoes, but for all of the highlights of the Garden State, there are also some drawbacks, particularly the high premiums and strict penalties drivers face when it comes to car insurance. NJ drivers are required to carry various forms of insurance coverage and can face hefty fines and consequences if they fail to adhere to the New Jersey car insurance laws.
Penalties for Driving Without New Jersey Car Insurance
Before you get on the road without the right coverage, be sure to know the NJ car insurance requirements that are mandatory throughout the state and avoid these harsh penalties.
Options for New Jersey Car Insurance
New Jersey drivers have the ability to choose from a variety of options when it comes to car insurance. Some options include:
New Jersey is a No-Fault Insurance State
Throughout the country, states are divided into at-fault and no-fault insurance states. New Jersey is a no-fault state, which means your insurance provider is required to pay for your medical injuries resulting from an accident regardless of who caused the accident.
Therefore New Jersey drivers are required to carry no-fault insurance, which is also known as personal injury protection or PIP. Drivers must have the minimum PIP coverage limits of $15,000.
Mandatory Standard NJ Auto Insurance Requirements
In addition to PIP, New Jersey drivers and car-owners with a standard policy are also required to have the following coverages:
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