NJMVC Insurance and Registration 2 — Questions and Answers
Question 1: In New Jersey, what is the minimum required Personal Injury Protection (PIP) coverage amount?
- $10,000 (Correct answer)
- $15,000
- $25,000
- $50,000
Correct answer: $10,000
New Jersey requires a minimum of $10,000 in PIP coverage to pay for medical expenses after an accident regardless of fault.
Question 2: What document must you show a police officer if requested during a traffic stop in New Jersey?
- Only your driver's license
- Driver's license and registration only
- Driver's license, registration, and proof of insurance (Correct answer)
- Only proof of insurance
Correct answer: Driver's license, registration, and proof of insurance
You must present your driver's license, vehicle registration, and proof of insurance when requested by law enforcement.
Question 3: How long is a standard New Jersey vehicle registration valid?
- One year
- Two years
- Four years (Correct answer)
- Five years
Correct answer: Four years
Standard NJ vehicle registrations are valid for four years and must be renewed before expiration.
Question 4: Which of the following is NOT a required minimum coverage under the NJ Basic policy?
- Property damage liability
- Personal Injury Protection
- Bodily injury liability (Correct answer)
- Uninsured motorist coverage
Correct answer: Bodily injury liability
The NJ Basic policy does not require bodily injury liability coverage, though it can be added optionally.
Question 5: When you purchase a new vehicle, how many days do you have to register it in New Jersey?
- 7 days
- 10 days (Correct answer)
- 14 days
- 30 days
Correct answer: 10 days
New Jersey law requires new vehicle owners to register their vehicle within 10 days of purchase.
Question 6: If your vehicle registration expires and you continue to drive, you may be charged with:
- A moving violation
- A non-moving violation
- Vehicle abandonment
- Operating an unregistered vehicle, which is a motor vehicle offense (Correct answer)
Correct answer: Operating an unregistered vehicle, which is a motor vehicle offense
Driving an unregistered vehicle in NJ is a motor vehicle offense that can result in fines and penalties.
Question 7: Under New Jersey law, property damage liability coverage must pay for damages to:
- Your own vehicle only
- Other people's property that you damage (Correct answer)
- Medical bills of other drivers
- Your personal belongings inside your car
Correct answer: Other people's property that you damage
Property damage liability pays for damage you cause to another person's property, such as their vehicle or fence.
NJMVC Insurance and Registration 2
In New Jersey, what is the minimum required Personal Injury Protection (PIP) coverage amount?