NJ Auto Insurance

Most people have a very limited understanding of New Jersey automobile
insurance. In order to protect yourself and your family, it is important
that you review your insurance policy selections with an attorney. This
will help assure that you and your family are protected in the event of
injuries sustained in an automobile accident.

You should understand the different types of policies and the variety of coverage
offered in the insurance companies’ selection pamphlets. You must
know the difference between a standard policy, a basic policy and a special
policy. You should understand the meaning of the term "Lawsuit
Option". Medical benefits vary with all policies, as does the amount of
coverage. Understanding the importance of uninsured motorist coverage and
underinsured motorist coverage is critical.

The following websites may be of assistance in getting a better
understanding of the New Jersey auto insurance laws.

http://www.state.nj.usldobildivisionconsumers/insurance/auto.htm

http://www.state.nj.us/nj/trans/

We also refer you to the New Jersey Statute-NJSA 39:6A-4.S

N.J.S.A. 39:6A-4.5  provides: a. Any person who, at the time of an
automobile accident resulting in injuries to that person, is required but
fails to maintain medical expense benefits coverage mandated by section 4 of
P.L.1972, c.70 (C.39:6A- 4), section 4 of P.L.1998, c.21 (C.39:6A-3.1) or
section 45 of P.L.2003, c.89 (C.39:6A-3.3) shall have no cause of action for
recovery of economic or non-economic loss sustained as a result of an accident
while operating an uninsured automobile.

To learn more about auto insurance in New Jersey, read the official
document: New
Jersey Auto Insurance Consumer Guide