All drivers in New Jersey must provide proof of insurance when operating any vehicle. Failure to do so can result in hefty fines and suspension. Having insurance is just as important as having a title on your car or registering it with the MVC.
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. https://www.state.nj.us/mvc/vehicles/insurancerequirements.htm
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