Insurance requirements

All vehicles registered in New Jersey require three types of mandatory insurance:

• Liability insurance pays others for damages that you cause if you are responsible for an accident. It does not cover medical expenses
• Personal injury protection (PIP) pays medical expenses if you or other persons covered under your policy are injured in an automobile accident. Often called No Fault coverage, it pays your medical expenses if you were or were not at fault
• Uninsured motorist coverage protects you if you are in an accident with someone who doesn’t have proper insurance coverage

Contact your insurance company for the different insurance coverage choices or check the Department of Banking and Insurance web site.


Required documents
Your insurance company must give you a New Jersey Insurance Identification Card for each vehicle under your policy.

You must keep the card in the vehicle and present it:

• Before an inspection
• When involved in an accident
• When stopped for a traffic violation
• When you are stopped in a spot check by a police officer

Failure to present the card may result in fines.

Driving an uninsured vehicle may result in fines, community service, license suspension and insurance surcharges.