Each state has its own set of insurance laws, from which large numbers are pretty similar or same. New Jersey car insurance laws, at least good percentage comply with most of the insurance laws in the other states. However, there are few auto insurance laws in New Jersey that are typical for only few more states. Everyone that purchases auto insurance policy in New Jersey needs to comply with New Jersey's insurance regulations if he wants his vehicle to be registered. Not complying means that you will drive your vehicle illegally and there is a big chance that you will be penalized for that.
According to the state if New Jersey auto insurance regulations every driver is obligated to obtain both types of coverage. In addition to that, everyone in your household that uses the auto needs to possess such coverage or have proof of it, when using the vehicle. The point is that the insurance coverage is needed per person rather than per car. However, there are few exemptions to this regulation. That is in cases when the vehicle is salvaged, wrecked, junked, when the lease is terminated or the ownership is transferred to another state. The exemption is applicable to owners of motorcycles and agricultural vehicles used for season work as well.
In case that none of the mentioned exceptions is applicable to your situation, you and every one of your family that uses the car are obligated by law to obtain injury liability coverage. According to the law in New Jersey, the minimum coverage for one person is at least $25,000, for more persons per accident the minimum is $50,000, and for damage property, the minimum is set at $25,000. That is commonly known as 25/50/25.
The state of New Jersey is not a no-fault state. That means that in case of a car accident, the involved parties are not obligated to cover their own medical or other expenses cause by the accident, if any. Only the driver who caused the accident through his insurance policy pays the bill. In addition to that, the innocent party has the legal right to seek further compensation from the party who is found at fault.
The best way to be sure that you are fully covered is to buy a bigger insurance policy. The thing is that the minimum required basic policy is rarely enough to cover any expense that is having in mind how much hospitals charge for a simple procedure or what if you hit some luxury car. The $50.000 in that case is just a fraction of the cost and it may easily be required to pay from your own pocket for the rest of the bill.
Getting a good rate on any auto insurance policy in New Jersey is not as hard as one would think. The best way to do so is by getting quotes from different insurance companies.
If you wondered how to do so, just look above on this same page and you will see a sign that says enter your zip code. Once you see it simply enter your zip code and you will get plenty of quotes from a number of companies. Find the lowest for the coverage you had in mind and you will be sure that the car insurance laws in New Jersey will not make you awake at night.