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

New Jersey's basic auto insurance requires a minimum of $15,000 per person for bodily injury liability coverage.

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

New Jersey requires all registered vehicles to carry at minimum liability insurance through a Basic Policy or a Standard Policy.

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

PIP (Personal Injury Protection) in NJ pays medical expenses for the policyholder and passengers regardless of who caused the accident.

Question 4

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

Accepted Answer

$10,000

Answer

The NJ Standard auto insurance policy requires a minimum of $5,000 in property damage liability coverage.

Question 5

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

Accepted Answer

Your insurance identification card

Answer

NJ drivers must carry and present a valid insurance identification card to law enforcement when requested during a traffic stop.

NJ DMV - New Jersey Department of Motor Vehicle Practice Test