NJ DMV NJ DMV Insurance Requirements

Question 1

What is the minimum required liability insurance coverage for bodily injury per person in New Jersey?

Accepted Answer

$15,000

Answer

$10,000

Answer

$25,000

Answer

$50,000

Question 2

What type of auto insurance is MANDATORY for all registered vehicles in New Jersey?

Accepted Answer

Liability insurance (at minimum the Basic Policy)

Answer

Comprehensive coverage

Answer

Collision coverage

Answer

Uninsured motorist coverage

Question 3

In New Jersey, what does Personal Injury Protection (PIP) coverage pay for?

Accepted Answer

Medical expenses for you and your passengers regardless of fault

Answer

Damage to another driver's vehicle

Answer

Legal defense costs in lawsuits

Answer

Rental car costs when your car is being repaired

Question 4

What is the minimum property damage liability coverage required under a NJ Standard auto insurance policy?

Accepted Answer

$10,000

Answer

$5,000

Answer

$25,000

Answer

$50,000

Question 5

Under NJ law, what document must you show a police officer after a traffic stop?

Accepted Answer

Your insurance identification card

Answer

Your insurance policy declarations page

Answer

Your entire insurance policy binder

Answer

A letter from your insurance agent

Question 6

What is the difference between NJ's Basic auto insurance policy and the Standard policy?

Accepted Answer

Standard offers higher coverage limits and more options including bodily injury liability

Answer

Basic covers more — it is for high-risk drivers

Answer

Basic and Standard are identical but priced differently

Answer

Standard is mandatory; Basic is optional