NEW JERSEY AUTO INSURANCE GUIDE
New Jersey Standard, Basic & Special Auto Insurance Policies
New Jersey allows materially different automobile policy structures. This guide will compare the Standard, Basic, and Special policy forms, including liability coverage, PIP, UM/UIM availability, collision and comprehensive options, tort rights, eligibility, and the risks of selecting reduced coverage.
Publication review note — September 17, 2026. Verify current Department of Banking and Insurance policy descriptions, statutory requirements, eligibility rules, and approved forms before publication.
VictimsGuide 