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
Contact your insurance company for the different insurance coverage choices or check the Department of Banking and Insurance web site.
Your insurance company must give you a New Jersey Insurance Identification Card for each vehicle under your policy. N.J.S.A. 39:3-29. Pursuant to N.J.S.A. 39:3-29.1 and N.J.A.C. 11:3-6.1, New Jersey insurance identification cards must meet the following specifications:
- The dimensions of the card must be between three inches by five inches and five and a half inches by eight and a half inches;
- The white cardstock must be at least 20 lbs in weight; and
- The front of the card must contain the insurance company’s name, the insured’s name and address, the policy number, effective date, expiration date, vehicle description (make, model and VIN), the heading “State of New Jersey Insurance Identification Card,” the insurance company code, and the name and address of the insurance company or the office or agency issuing the identification card. The reverse of the card shall include the address established by the insurer for the filing of notification of the commencement of medical treatment by treating medical providers.
You must keep the card in the vehicle and present it:
- Before an inspection
- When involved in an accident
- When stopped for a traffic violation
- When you are stopped in a spot check by a police officer
Failure to present the card may result in fines.
Driving an uninsured vehicle may result in fines, community service, license suspension and insurance surcharges.