Core New Jersey Statutes

• N.J.S.A. 39:6B-1 — current compulsory liability limits, including 35/70/25 for policies issued or renewed on or after January 1, 2026.
• N.J.S.A. 39:6B-1.1 — pre-suit policy-limit disclosure.
• N.J.S.A. 39:6A-4 — personal injury protection benefits.
• N.J.S.A. 39:6A-8 — limitation-on-lawsuit/verbal-threshold framework.

Leading New Jersey Decisions

• DiProspero v. Penn, 183 N.J. 477 (2005) — limitation-on-lawsuit threshold and serious-injury analysis.
• Badiali v. New Jersey Manufacturers Insurance Group (N.J. 2015) — UM claim handling and the fairly-debatable bad-faith standard.
• Wadeer v. New Jersey Manufacturers Insurance Co. (N.J. 2015) — UM bad-faith litigation and preclusion issues.

New Jersey coverage analysis is highly dependent on the selected policy type, PIP options, tort option, UM/UIM limits and applicable coverage-selection forms. Check current Department of Banking and Insurance materials and later cases.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments, policy effective dates and current policy forms before reliance.