New Jersey (NJ)

Approved Carriers

Notes about state

• Cincinnati

• Encompass

• Narragansett Bay

• National General

• Plymouth Rock (HO and PUMB)

• Progressive

• PURE

• Safeco

• Sagesure

• Travelers

• US Coastal

• USLI

• Vault

• Mercury (Home and Auto)

Required Auto Coverage in New Jersey

According to the New Jersey Motor Vehicle Commission, all vehicles in NJ must have Liability, Personal Injury Protection (PIP), and Uninsured/Underinsured Motorist Coverage.

• Bodily Injury Liability Coverage: Minimum coverage level is $25,000 per person and $50,000 per accident

• Property Damage Liability Coverage: Minimum coverage level is $25,000 per accident

• Personal Injury Protection (PIP): Minimum coverage level is $15,000

• Uninsured/Underinsured Motorist Bodily Injury Coverage: Minimum coverage level is $25,000 per person and $50,000 per accident

• Uninsured/Underinsured Motorist Property Damage Coverage: Minimum coverage level is $5,000 per accident with a $500 deductible

Full Tort vs. Limited Tort for NJ Auto Insurance Policies

In New Jersey, you have the option to carry either Full or Limited Tort. With Full Tort, you retain the right to sue the negligent party for pain and suffering as a result of an accident, regardless of the severity of your injury. Limited Tort is a less expensive option because you agree to limit your ability to sue for pain and suffering unless you sustain a catastrophic injury.