If you lease or finance your car, you may be required to have types of coverage that are not required under New Jersey law. In New Jersey, an injured person's right to sue and the amount that will ultimately be paid for their pain, suffering, lost wages, and medical bills may depend on the decisions made when the auto insurance policy was purchased for their home or for the car they occupied. The cheapest car insurance companies in New Jersey are Geico, Amica, and NJM, and getting quotes from several companies can help you find the best deal. While the New Jersey Insurance Council supports the initial increase in coverage next year, it opposed the new law because of this increase in 2026. As a result, buying car insurance is an important decision that should not be taken lightly, and can have serious consequences for an injured person, no matter who caused the accident.
Estimates from insurers and the New Jersey Insurance Council range from 1.1 million to 1.36 million drivers. Car insurance is mandatory in New Jersey, but the type and cost of that coverage can vary significantly. For those who don't receive public assistance, the standard auto insurance policy meets the minimum requirement for New Jersey drivers. Because New Jersey law requires insurance, you can face multiple penalties if you're caught driving without it, such as fines, license suspension and registration, and high-risk insurance requirements.
If you want additional coverage, you can choose higher limits than those required by New Jersey law. Learn more about when to cancel optional coverage and penalties for driving without insurance in New Jersey to make sure you're paying for the coverage you need. To learn more about the New Jersey auto insurance system and how upcoming changes could affect your policy, contact the New Jersey car accident lawyers at Davis, Saperstein & Salomon, P. Attorney certification granted by the New Jersey Supreme Court requires the lawyer to pass a thorough examination, peer recognition, have sufficient reputation and a high level of experience, skills and education in a specific practice area.
However, in New Jersey, residents can choose to sue or be sued after a car accident by excluding themselves from the no-fault system. If you were most at fault for the accident, you can still pay your medical bills and lost wages with your home car insurance policy or, if you don't have any, with the car you were occupying. The New Jersey Association for Justice is an organization dedicated to protecting New Jersey families by practicing and improving laws to ensure safer products and workplaces, a better environment and quality health care.