NEW JERSEY AUTO INSURANCE GUIDE

New Jersey Rideshare & Transportation Network Coverage

New Jersey regulates transportation network company insurance through separate coverage requirements for drivers who are logged on, awaiting requests, or providing prearranged rides. This guide will address required liability coverage, UM/UIM, PIP interaction, personal-policy exclusions, insurer coordination, and status evidence.

Publication review note — September 17, 2026. Verify current TNC statutes, Department of Banking and Insurance requirements, policy forms, and coverage limits before publication.