New Jersey Auto Insurance Requirements

It is always best to know the insurance laws in your state of residence. Generally no two states are the same when it comes to the state regulated minimum coverage limits of liability insurance or the penalties for not carrying the minimum coverage. Insurance is required in most states. If you are moving to a new state, it is important to know what the minimum coverage requirements are for that state and to also know what insurance companies are licensed to sell insurance in that state.

The government in the state of New Jersey has set up very specific requirements when it comes to auto insurance. While they do not state a specific amount of coverage you must carry they do require that you carry liability, personal injury, and uninsured motorist insurance coverage. These types of insurance are set into place to give you protection in case of an accident.

You must carry proof that you are covered by a New Jersey licensed insurance company. Your insurance company will send you an insurance card when you get a new policy or renew your current policy. This card must be carried in your vehicle at all times. This will provide sufficient proof of insurance if you are stopped for a traffic violation or are involved in an accident. Police officers are also authorized to conduct spot checks to check for uninsured vehicles.

It is important to get several different insurance quotes from several different companies when you are shopping for insurance. This is the best way to ensure that you are getting the best possible coverage for your money. It is also recommended by insurance experts that you are covered for at least $1 million combined coverage in case you are ever involved in a very serious accident. Insurance coverage is not only required but is the best way to protect the interests of you and your family.