NEW JERSEY AUTO INSURANCE GUIDE

New Jersey Borrowed, Non-Owned & Rental Vehicles

This guide will address liability and first-party coverage issues involving permissive use, borrowed vehicles, non-owned autos, and rental cars in New Jersey, including priority among potentially applicable policies, PIP consequences, and contractual limitations.

Publication review note — September 17, 2026. Verify current omnibus requirements, rental statutes, PIP priority rules, policy forms, and controlling decisions before publication.