NJMVC Insurance and Registration

Question 1

Is auto insurance mandatory in New Jersey?

Accepted Answer

Yes, liability insurance is required for all registered vehicles

Answer

New Jersey requires all registered vehicles to have auto insurance, including liability coverage for bodily injury and property damage, plus Personal Injury Protection (PIP).

Question 2

What happens if you are caught driving without insurance in New Jersey?

Accepted Answer

License suspension, fines, and community service

Answer

Driving without insurance in NJ carries severe penalties including license and registration suspension, fines of $300-$1000, community service, and possible vehicle impoundment.

Question 3

How often must vehicles be inspected in New Jersey?

Accepted Answer

Every 2 years for new registrations, varying for others

Answer

NJ vehicle inspections are required at initial registration and at varying intervals. New passenger vehicles get their first inspection 5 years after the model year, then every 2 years.

Question 4

What is New Jersey's minimum liability insurance requirement?

Accepted Answer

15/30/5 (bodily injury per person/per accident/property damage in thousands)

Answer

NJ requires minimum liability coverage of $15,000 per person/$30,000 per accident for bodily injury and $5,000 for property damage, though higher limits are recommended.

Question 5

What is PIP coverage in New Jersey auto insurance?

Accepted Answer

Personal Injury Protection covering medical expenses regardless of fault

Answer

PIP (Personal Injury Protection) covers medical expenses for the policyholder and passengers regardless of who caused the accident, required as part of NJ's no-fault insurance system.

(NJMVC) New Jersey Motor Vehicle Commission Practice Test

(NJMVC) New Jersey Motor Vehicle Commission Practice Test

NJMVC Insurance and Registration