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| | | | | |---|---|---|---| | [](https://www.nj.gov/dobi/index.html) | | | | | [Governor Mikie Sherrill](https://nj.gov/governor/)\&nbsp•\&nbsp [Lt. Governor Dr. Dale G. Caldwell](https://nj.gov/governor/admin/ltgovernor/) [NJHome](https://nj.gov/) \| [Services](https://nj.gov/nj/gov/deptserv/alphaserv.html) \| [Departments/Agencies](https://nj.gov/nj/gov/deptserv/) \| [FAQs](https://nj.gov/faqs/) | | | | | | | | | | | | **Translate** | [**Translator Disclaimer**](https://www.nj.gov/nj/about/translator/) | | | | | |---|---|---| | [Home](https://www.nj.gov/dobi/index.html) \> [Consumer Information](https://www.nj.gov/dobi/division_consumers/index.htm)\>[Insurance Topics](https://www.nj.gov/dobi/division_consumers/insurance/ins_menu.htm) \> [Automobile](https://www.nj.gov/dobi/division_consumers/insurance/auto.htm)\> New Jersey's Basic Auto Insurance Policy | | | | **Get Legal with New Jersey's Basic Auto Insurance Policy** | | | | **Auto insurance is mandatory in New Jersey** , but the type and cost of that coverage can vary significantly. Every day, consumers are finding that there are options available to make it easier to comply with the law. The Automobile Insurance Cost Reduction Act mandated that a **Basic Policy** be available to all drivers. It is important to realize that you are breaking the law if you drive uninsured. The penalties for driving uninsured are getting more severe — in addition to risking economic loss by not having insurance protection, you risk fines, suspension of driver's license or registration and even time in jail. In the future, your car could be impounded if you are caught behind the wheel without coverage. Below we will review the **Basic Policy**. The Basic Policy offers less protection, but at a lower cost than the **[Standard Auto Insurance Policy](https://www.nj.gov/dobi/division_consumers/insurance/standardpolicy.html)**. | | | | | | | | **More resources** | | | | | [Standard Automobile Insurance Policy](https://www.nj.gov/dobi/division_consumers/insurance/standardpolicy.html) | | | | [Special Automobile Insurance Policy](https://www.nj.gov/dobi/division_consumers/insurance/saip.htm) | | | | [Find an Auto Insurer](https://www.nj.gov/dobi/division_consumers/insurance/autoinscontacts.htm) | | | | [Find a PAIP producer](http://www.nj.gov/cgi-bin/dobi/paip/paipmenu.cgi) (or call **1-800-652-2471**) | | | | [Auto Insurance Purchasing Planner](https://www.nj.gov/dobi/autoplanner.htm) (interactive guide to buying a policy) | | | **Who should consider buying the Basic Policy?** | | | | | | | | **Please Note** | If you do not have any liability coverage, you are responsible for paying for the pain, suffering and other personal hardships and some economic damages, such as lost wages, that you cause. The insurer will not provide or pay for a lawyer to represent you if you are sued. Your assets will be at risk, including the risk of having money deducted from your wages if a judgment is entered against you. And, if you lack coverage and someone hits you, you cannot sue. | | | **Where can I purchase the Basic Policy?** | | | | A Basic Policy may be purchased through any [New Jersey licensed insurance producer](https://www.nj.gov/dobi/division_consumers/insurance/autoinscontacts.htm). New Jersey law exempts producers from liability on account of selling insurance with the minimum required coverage. | | | | **Differences Between Basic and Standard Policies** | | | | **The chart below compares the differences between the Standard and Basic policies and explains the amounts of coverage you may be able to purchase from an insurer.** | | | | | | | | **Type of Coverage** | **Standard Policy** | **Basic Policy** | | **Bodily Injury Liability**Coverage for claims and lawsuits by people injured as a result of an auto accident *you cause* | **As low as:** \$35,000 per person, \$70,000 per accident **As high as:** \$250,000 per person, \$500,000 per accident | Coverage is **not** included but \$10,000 coverage for all persons, per accident, is available as an **option** | | **Property Damage Liability** Coverage for claims and lawsuits by people whose property is damaged as a result of an auto accident *you cause* | **As low as:**\$25,000 per accident **As high as:**\$100,000 or more | \$5,000 per accident | | **Personal Injury Protection**Coverage for injuries sustained in an automobile accident by you or other persons covered under your policy | **As low as:** \$15,000 per person or accident**As high as:**\$250,000 or more Up to \$250,000 for certain injuries\* **regardless of of selected limit** | \$15,000 per person, per accident Up to \$250,000 for certain injuries\* | | **Uninsured/Underinsured Motorist Coverage**Coverage pays for property damage or bodily injury if you are in an accident caused by an uninsured motorist (a driver who does not have the minimum level of insurance required by law) ora driver who is insured, but who has less coverage than your underinsured motorist coverage | Coverage is available up to amounts selected for liability coverage | None | | **Collision** Coverage for damage to yourvehicle as the result of a collision with another car or other object | Available as an option | Available as an option (from some insurers) | | **Comprehensive** Coverage for damage to your vehicle that is not a result of a collision, such as theft of your car, vandalism, flooding, fire or a broken windshield. Comprehensive coverage also pays if you collide with an animal. | Available as an option | Available as an option (from some insurers) | | \*permanent or significant brain injury, spinal cord injury or disfigurement or for medically necessary treatment of other permanent or significant injuries rendered at a trauma center or acute care hospital immediately following an accident and until the patient is stable, no longer requires critical care and can be transferred to another facility in the judgment of the physician. | | | | **The Right to Sue** | | | | The **Basic Policy** includes the **Limited Right to Sue** option (Limitation on Lawsuit option). | | | | **Obtaining a Basic Policy** | | | | If you have any questions about the **Basic Policy** your agent, insurance company or DOBI can assist you. If you have any problem purchasing the basic policy please [contact DOBI](https://www.nj.gov/dobi/consumer.htm) immediately. [DOBI Bulletin 02-22](https://www.nj.gov/dobi/bulletins/blt02_22.pdf) (outlines the process for obtaining a Basic Policy) | | | | | | | | | |---|---|---|---|---| | [](https://www.nj.gov/dobi/oprarecords.htm) | OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey. | | [](http://www.adobe.com/products/acrobat/readstep2.html) | You will need to download the latest version of Adobe Acrobat Reader in order to correctly view and print PDF (Portable Document Format) files from this web site. | | | | |---|---| |  | [NJHome](https://nj.gov/) \| [Services A to Z](https://nj.gov/nj/gov/deptserv/alphaserv.shtml) \| [Departments/Agencies](https://nj.gov/nj/gov/deptserv/) \| [FAQs](https://nj.gov/nj/faqs/) \| [Contact Us](https://nj.gov/nj/feedback.shtml) | | [Privacy Notice](https://nj.gov/nj/privacy.shtml) \| [Legal Statement](https://nj.gov/nj/legal.shtml) \| [Accessibility Statement](https://nj.gov/nj/accessibility.shtml) | | | Copyright © State of New Jersey, 1996 - State of New Jersey New Jersey Department of Banking and Insurance | |

| | | | | |---|---|---|---| | [](https://www.nj.gov/dobi/index.html) | | | | | [Governor Mikie Sherrill](https://nj.gov/governor/)\&nbsp•\&nbsp [Lt. Governor Dr. Dale G. Caldwell](https://nj.gov/governor/admin/ltgovernor/) [NJHome](https://nj.gov/) \| [Services](https://nj.gov/nj/gov/deptserv/alphaserv.html) \| [Departments/Agencies](https://nj.gov/nj/gov/deptserv/) \| [FAQs](https://nj.gov/faqs/) | | | | | | | | | | | | **Translate** | [**Translator Disclaimer**](https://www.nj.gov/nj/about/translator/) | | | | | |---|---|---| | [Home](https://www.nj.gov/dobi/index.html) \> [Consumer Information](https://www.nj.gov/dobi/division_consumers/index.htm) \> [Insurance Topics](https://www.nj.gov/dobi/division_consumers/insurance/ins_menu.htm) \> [Automobile](https://www.nj.gov/dobi/division_consumers/insurance/auto.htm) \> New Jersey's Basic Auto Insurance Policy | | | | **Get Legal with New Jersey's Basic Auto Insurance Policy** | | | | **Auto insurance is mandatory in New Jersey**, but the type and cost of that coverage can vary significantly. Every day, consumers are finding that there are options available to make it easier to comply with the law. The Automobile Insurance Cost Reduction Act mandated that a **Basic Policy** be available to all drivers. It is important to realize that you are breaking the law if you drive uninsured. The penalties for driving uninsured are getting more severe — in addition to risking economic loss by not having insurance protection, you risk fines, suspension of driver's license or registration and even time in jail. In the future, your car could be impounded if you are caught behind the wheel without coverage. Below we will review the **Basic Policy**. The Basic Policy offers less protection, but at a lower cost than the **[Standard Auto Insurance Policy](https://www.nj.gov/dobi/division_consumers/insurance/standardpolicy.html)**. | | | | | | | | **More resources** | | | | | [Standard Automobile Insurance Policy](https://www.nj.gov/dobi/division_consumers/insurance/standardpolicy.html) | | | | [Special Automobile Insurance Policy](https://www.nj.gov/dobi/division_consumers/insurance/saip.htm) | | | | [Find an Auto Insurer](https://www.nj.gov/dobi/division_consumers/insurance/autoinscontacts.htm) | | | | [Find a PAIP producer](http://www.nj.gov/cgi-bin/dobi/paip/paipmenu.cgi) (or call **1-800-652-2471**) | | | | [Auto Insurance Purchasing Planner](https://www.nj.gov/dobi/autoplanner.htm) (interactive guide to buying a policy) | | | **Who should consider buying the Basic Policy?** | | | | | | | | **Please Note** | If you do not have any liability coverage, you are responsible for paying for the pain, suffering and other personal hardships and some economic damages, such as lost wages, that you cause. The insurer will not provide or pay for a lawyer to represent you if you are sued. Your assets will be at risk, including the risk of having money deducted from your wages if a judgment is entered against you. And, if you lack coverage and someone hits you, you cannot sue. | | | **Where can I purchase the Basic Policy?** | | | | A Basic Policy may be purchased through any [New Jersey licensed insurance producer](https://www.nj.gov/dobi/division_consumers/insurance/autoinscontacts.htm). New Jersey law exempts producers from liability on account of selling insurance with the minimum required coverage. | | | | **Differences Between Basic and Standard Policies** | | | | **The chart below compares the differences between the Standard and Basic policies and explains the amounts of coverage you may be able to purchase from an insurer.** | | | | | | | | **Type of Coverage** | **Standard Policy** | **Basic Policy** | | **Bodily Injury Liability** Coverage for claims and lawsuits by people injured as a result of an auto accident *you cause* | **As low as:** \$35,000 per person, \$70,000 per accident **As high as:** \$250,000 per person, \$500,000 per accident | Coverage is **not** included but \$10,000 coverage for all persons, per accident, is available as an **option** | | **Property Damage Liability** Coverage for claims and lawsuits by people whose property is damaged as a result of an auto accident *you cause* | **As low as:** \$25,000 per accident**As high as:** \$100,000 or more | \$5,000 per accident | | **Personal Injury Protection** Coverage for injuries sustained in an automobile accident by you or other persons covered under your policy | **As low as:** \$15,000 per person or accident**As high as:**\$250,000 or more Up to \$250,000 for certain injuries\* **regardless of of selected limit** | \$15,000 per person, per accident Up to \$250,000 for certain injuries\* | | **Uninsured/Underinsured Motorist Coverage** Coverage pays for property damage or bodily injury if you are in an accident caused by an uninsured motorist (a driver who does not have the minimum level of insurance required by law) or a driver who is insured, but who has less coverage than your underinsured motorist coverage | Coverage is available up to amounts selected for liability coverage | None | | **Collision** Coverage for damage to your vehicle as the result of a collision with another car or other object | Available as an option | Available as an option (from some insurers) | | **Comprehensive** Coverage for damage to your vehicle that is not a result of a collision, such as theft of your car, vandalism, flooding, fire or a broken windshield. Comprehensive coverage also pays if you collide with an animal. | Available as an option | Available as an option (from some insurers) | | \*permanent or significant brain injury, spinal cord injury or disfigurement or for medically necessary treatment of other permanent or significant injuries rendered at a trauma center or acute care hospital immediately following an accident and until the patient is stable, no longer requires critical care and can be transferred to another facility in the judgment of the physician. | | | | **The Right to Sue** | | | | The **Basic Policy** includes the **Limited Right to Sue** option (Limitation on Lawsuit option). | | | | **Obtaining a Basic Policy** | | | | If you have any questions about the **Basic Policy** your agent, insurance company or DOBI can assist you. If you have any problem purchasing the basic policy please [contact DOBI](https://www.nj.gov/dobi/consumer.htm) immediately. [DOBI Bulletin 02-22](https://www.nj.gov/dobi/bulletins/blt02_22.pdf) (outlines the process for obtaining a Basic Policy) | | | | | | | | | |---|---|---|---|---| | [](https://www.nj.gov/dobi/oprarecords.htm) | OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey. | | [](http://www.adobe.com/products/acrobat/readstep2.html) | You will need to download the latest version of Adobe Acrobat Reader in order to correctly view and print PDF (Portable Document Format) files from this web site. |