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About Nj Car Insurance Laws


nj car insurance laws have some variations as well as similarities with laws in other states. This is the trend of auto insurance laws from state to state in the US. The huge differences with car insurance laws from one state to the other include the set mandatory insurance requirements. Other areas to consider with nj car insurance laws are how to file complaints through the state’s insurance department and car insurance regulations and penalties.


Nj car insurance laws are the set regulations for vehicle insurance. These are basically set to provide protection against damage or injuries during accidents. The New Jersey, being a US state has its relevant laws on vehicle insurance. These laws are to be followed by any driver while on the road. Nj car insurance laws can be termed to simply protect the consumers.


With nj car insurance laws, every driver is supposed to carry three basic types of insurance. These are the personal injury insurance, uninsured motorist and liability insurance. The liability insurance is meant to cover the damage resulting in an accident for the responsible driver. The personal injury coverage pays for one’s medical expenses. The New Jersey uninsured motorist insurance protects one when they are involved in an accident with another driver who has no insurance coverage.

One must also carry Nj insurance card in their vehicle on a regular basis. The New Jersey insurance card is issued by the respective insurance company. If one is involved in an accident, nj car insurance laws state that the insurance card must be presented. The insurance card is also effective during police car inspection or cases of traffic infringement.

Nj car insurance laws have their limits in insurance requirement. Off-highways vehicles are not required to have the car insurance as well as the non registered and non-operational vehicles. This shows that the laws are not that strict as with other states.

Although nj car insurance laws are a bit friendly, there are penalties involved with misconduct. If a driver is found with no car insurance, they may have some fines to make or be jailed for some time. Just like other states, the driver could have their registration or license suspended. Nj car insurance laws state this act as giving false information to insurance companies. This could result to more hostile penalties such as loss of the driver’s license, fines of up to $15,000 or being confinement for committing fraud.

If a driver is caught driving with expired inspection sticker, nj car insurance laws would have the person fined from $100 to $200. This could as well be followed by 30 days imprisonment. The car inspection sticker in New Jersey state is thus of great importance. If one does not carry the mandatory insurance, they could suffer one year license suspension, community service and up to $1,000 fines for the first offence.

Tips and comments

It is also good to understand the minimum coverage with Nj car insurance. This is basically $15,000 for injury or death of a single person, $30,000 for injury of more persons and $5,000 for property damage. It is always advised that you consider a higher coverage than relying on the minimum one.

By SAMUEL MUHIA, published at 03/06/2012
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About Nj Car Insurance Laws. 4 of 5 based on 11 votes.