New Jersey drivers must carry four different types of auto insurance coverage, these include bodily injury liability insurance, property damage liability insurance, uninsured and underinsured insurance coverage, and personal injury protection coverage. With these four types of insurance in place, drivers in New Jersey are protected if when they cause an accident to occur or if they are otherwise involved in an accident.
In New Jersey, the minimum liability coverage is 15/30/05. This means that drivers in New Jersey must carry $15,000 worth of bodily injury coverage per person. New Jersey drivers must also carry $30,000 worth of bodily injury coverage per accident. In addition, drivers in New Jersey must carry $5,000 in coverage for any property that is damaged in the accident. Personal injury protection, on the other hand, helps protect the driver if he or she is injured in an accident while underinsured and uninsured coverage helps cover the costs of the person is injured by someone without insurance or with inadequate insurance.
Bodily Injury Liability insurance, or BI for short, is the type liability insurance that protects the driver if he or she causes an accident that results in death or injury. This insurance coverage covers the costs associated with the accidental death or injury of other drivers involved in the accident and of passengers or pedestrians that have been affected by the accident. In New Jersey, drivers must have $15,000 in Bodily Injury Liability insurance per person involved in the accident and $30,000 per accident.
Drivers in New Jersey must also carry Property Damage insurance, or PD for short. This insurance coverage pays the costs associated with property damage from an accident caused by the injured driver. This coverage may take care of the costs of other vehicles or any other property that has been damaged. In New Jersey, drivers are required to carry a minimum of $5,000 in Property Damage insurance.
New Jersey drivers must also carry uninsured and underinsured motorist protection in the amount of $15,000 per person and $30,000 per accident. This insurance coverage protects the New Jersey driver if he or she is involved in an accident with a person that is inadequately insured or who does not have insurance at all.
New Jersey drivers are also required to carry Personal Injury Protection, or PIP, insurance. This insurance is required to provide $25,000 worth of coverage per person and is in place to cover the expenses the insured driver incurs as the result of injuries from an accident.
In order to legally drive in New Jersey, a person must have these various forms of insurance in place. In addition, a New Jersey driver cannot register a vehicle unless he or she has proper insurance. A number of different methods can be used by a New Jersey driver to prove insurance coverage. The easiest method is to use the temporary insurance card that is issued by the insurance company, though presenting the actual policy or other similar documents can serve as proof of coverage as well.
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