With basic New Jersey auto insurance, drivers are required to carry bodily injury protection of $10,000. Also required for basic coverage are $10,000 worth of property damage coverage and $5,000 in personal injury protection (PIP).
The New Jersey standard auto insurance option requires more extensive coverage. With this option, drivers must have minimum liability limits of 15/30/5. That is, when involved in an accident, this coverage would pay $15,000 per person injured, $30,000 for all people injured, and $5,000 for any property damage. With the standard policy, New Jersey also requires a minimum personal injury protection in the amount of $5,000.
Optional coverage under standard auto insurance policies includes collision, comprehensive, uninsured motorist bodily injury protection, and uninsured motorist property damage coverage.
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