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When the policy applies to the operation of a motor vehicle outside of your state, and the limits are higher in that state, your insurance will increase your limits to the extent of the limits required by the local law. As long as you possess those coverages in your own policy. For example, if you live in a state that requires PIP and the state you are driving in requires bodily injury, than your insurance will not provide bodily injury since you have not purchased this coverage.You must purchase bodily injury protection to have this coverage. If your PIP is $10,000/$20,000 and the state in which you are driving has a limit of $15,000/$30,000 than your limit will be increased to meet the higher limits required for that particular state.

No-fault insurance is sold in Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Texas, Utah, and Washington. Other jurisdictions except Pennsylvania and the District of Columbia have traditional tort systems. Pennsylvania and DC have hybrid insurance systems.

New Jersey Car Insurance Laws


The minimum amount of liability insurance required in New Jersey is as follows:

$10,000/$10,000 for bodily Injury

$5,000 for property damage
$15,000 for personal injury protection(PIP)

$(not set)for uninsured motorist coverage


New Jersey state sealAuto insurance is mandatory in New Jersey but the coverage limits are not specific. It is recommended by the Department of banking and Insurance that drivers carry coverage under what is defined as a Basic Minimum Policy. Those minimums are broken down as follows.

New Jersey also requires you to carry uninsured motorist coverage but the limits are not set, you will need to work with your insurance agent to arrive at the limits that are right for you based on your individual needs.
The state of New Jersey has adopted a Choice No Fault system. What this means is, drivers have the option to reject No Fault system options and use the Tort System. Under the Tort System, drivers retain the right to sue for any and all auto related injuries.

You should be aware that in a competitive insurance market insurance companies charge different rates for essentially the same coverage. Shopping around may result in savings to you on your automobile policy. Be sure to take into consideration the services provided by the company.