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Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 93 (from laksa048)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa093.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.nj.gov/dobi/division_consumers/insurance/standardpolicy.html\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.nj.gov/dobi/division_consumers/insurance/standardpolicy.html\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/standardpolicy.html","crawl_time":1776455910,"first_indexed_time":1554545323,"http_code":200,"src_unparsed":"gov,nj!www,\/dobi\/division_consumers\/insurance\/standardpolicy.html s443","src_root_hash":"17214039531843034493","history_drop_reason":null,"meta_title":"NJDOBI | Consumer Information - Standard Auto Insurance Policy","meta_descriptions":[],"attrs_boilerpipe_text":"Governor Mikie Sherrill\n&nbsp•&nbsp\nLt. Governor Dr. Dale G. Caldwell\nNJHome\n|\nServices\n|\nDepartments\/Agencies\n|\nFAQs\nSearch\n \nTranslate\nTranslator Disclaimer\nHome\n>\nConsumer Information\n>\nInsurance Topics\n>\nAutomobile\n> Standard Auto Insurance Policy\nStandard Auto Insurance Policy\nAuto \r\n          \r\n          insurance is required in New Jersey.\nWhether you are buying a new insurance policy or renewing your current policy, you must make many decisions about the coverage you need and how much you can pay. The\nStandard Auto Insurance Policy\nprovides a number of different coverage options and the opportunity to purchase additional protection. The Standard Policy is the type of policy chosen by most New Jersey drivers.\nIt is important to understand your needs. Do you rent or own your own home? Do you have assets to protect (including income from a job)? Will your own health insurance cover auto accident injuries? How much insurance coverage can you afford? These are some of the questions you should ask yourself before choosing a specific coverage plan.\n \nMore resources\n \nBasic Automobile Insurance Policy\n \nSpecial Automobile Insurance Policy\n \nFind an  Auto Insurer\n \nFind \r\n              \r\n              a PAIP producer\n(or call\n1-800-652-2471\n)\n \nAuto Insurance Purchasing Planner\n(interactive guide to buying a policy)\nDifferences Between Basic and Standard Policies\nThe\nBasic Policy\nusually costs significantly less than a\nStandard Policy\n, but provides limited benefits. It is not for everyone, but it does provide enough coverage to meet the minimum insurance requirements of New Jersey law. The\nBasic Policy\ncould be an option for those with few family responsibilities and few assets to protect (including income from a job).\nThe 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.\nType of Coverage\nStandard Policy\nBasic Policy\nBodily \r\n              \r\n              Injury Liability\n \n \nCoverage \r\n                \r\n                for claims and lawsuits by people injured as a result of an auto accident\nyou cause\nAs low as:\n$35,000 per person, $70,000 per accident\nAs high as:\n$250,000 per person, $500,000 per accident\nCoverage is\nnot\nincluded but \r\n              \r\n              $10,000 coverage for all persons, per accident, is available as an\noption\nProperty \r\n              \r\n              Damage Liability\n \n \nCoverage \r\n              \r\n              for claims and lawsuits by people whose property is damaged as a result of an auto accident\nyou cause\nAs low as:\n$25,000 per accident\nAs high as:\n$100,000 or more\n$5,000 per accident\nPersonal \r\n              \r\n              Injury Protection \n  \nCoverage \r\n                \r\n                for injuries sustained in an automobile accident by you or other persons \r\n                \r\n                covered under your policy\nAs low as:\n$15,000 per person or accident\nAs high as:\n$250,000 or more\nUp to $250,000 for certain injuries*\nregardless of of selected limit\n$15,000 per person, per accident\nUp to $250,000 for certain \r\n              \r\n              injuries*\nUninsured\/Underinsured \r\n              \r\n              Motorist Coverage\nCoverage \r\n              \r\n              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\na driver who is insured, but who has less coverage than your underinsured motorist coverage\nCoverage is available up to amounts \r\n              \r\n              selected for liability coverage\nNone\nCollision\n  \nCoverage \r\n              \r\n              for damage to your\nvehicle as the result of a collision with another car or other object\nAvailable as an option\nAvailable as an option (from some insurers)\nComprehensive\nCoverage 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.\nAvailable as an option\nAvailable as an option (from some insurers)\n*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.\n \nThe Right to Sue\nFor the\nStandard Policy\n, you must make a choice about the rights you will have if you are injured in an automobile accident.\nImportant\nThe choice you make affects how much your insurance will cost and what claims will be paid in the event of an accident.\nThe choice you make regarding your right to sue another driver applies to you, your spouse, children and other relatives living with you who are not covered under another automobile insurance policy.\nThe\nUnlimited Right to Sue\nand\nLimited Right to Sue\noptions only cover lawsuits for \"pain and suffering\" or non-economic losses. Your medical expenses and some economic losses for injuries in auto accidents will be paid up to the limits of your PIP coverage and are not affected by the choice you make here.\nUnlimited Right to Sue\n- Under the No Limitation on Lawsuit Option, you retain the right to sue the person who caused an auto accident for pain and suffering for\nany\ninjury.\nLimited Right to Sue\n- By choosing the Limitation on Lawsuit Option, you agree\nnot\nto sue the person who caused an auto accident for your pain and suffering\nunless\nyou sustain one of the permanent injuries listed below: (Choosing this option\ndoes not\naffect your ability to sue for economic damages such as medical expenses and lost wages.)\nloss of body part\nsignificant disfigurement or significant scarring\na displaced fracture\nloss of a fetus\npermanent injury (Any injury shall be considered permanent when the body part or organ, or both, has not healed to function normally and will not heal to function normally with further medical treatment based on objective medical proof.)\ndeath\nWarning\nInsurance companies or their producers or representatives shall not be held liable for your choice of lawsuit option (Limited Right to Sue or Unlimited Right to Sue) or for your choices regarding amounts and types of coverage. You cannot sue an insurance company or its producers or representatives if the Limited Right to Sue option is imposed by law because no choice was made on the coverage selection form. Insurers and their producers or representatives can lose this limitation on liability for failing to act in accordance with the law. See N.J.S.A. 17:28-1.9 for more information.\n \nMore Information\nIf you have \r\n        \r\n        any questions about the\nStandard Policy\nyour agent, insurance company or DOBI can \r\n        \r\n        assist you.\nFind an  Auto Insurer\nContact \r\n            \r\n            DOBI\n \n \nOPRA is \r\n      a state law that was enacted to give the public greater access to government \r\n      records maintained by public agencies in New Jersey.\n \nYou 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.","attrs_markdown":"|   |   |   |   |\n|---|---|---|---|\n| [![NJ Department of Banking and Insurance](https:\/\/www.nj.gov\/dobi\/dobi_images\/dobihead.png)](https:\/\/www.nj.gov\/dobi\/index.html) |   |   |   |\n| [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\/) |   |   |   |\n|   |   |   |   |\n|   |   | **Translate** | [**Translator Disclaimer**](https:\/\/www.nj.gov\/nj\/about\/translator\/) |\n\n|   |   |   |\n|---|---|---|\n| [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)\\> Standard Auto Insurance Policy |   |   |\n| **Standard Auto Insurance Policy** |   |   |\n| **Auto insurance is required in New Jersey.**Whether you are buying a new insurance policy or renewing your current policy, you must make many decisions about the coverage you need and how much you can pay. The **Standard Auto Insurance Policy** provides a number of different coverage options and the opportunity to purchase additional protection. The Standard Policy is the type of policy chosen by most New Jersey drivers. It is important to understand your needs. Do you rent or own your own home? Do you have assets to protect (including income from a job)? Will your own health insurance cover auto accident injuries? How much insurance coverage can you afford? These are some of the questions you should ask yourself before choosing a specific coverage plan. |   |   |\n|   |   |   |\n| **More resources** |   |   |\n|   | [Basic Automobile Insurance Policy](https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/basicpolicy.shtml) |   |\n|   | [Special Automobile Insurance Policy](https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/saip.htm) |   |\n|   | [Find an Auto Insurer](https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/autoinscontacts.htm) |   |\n|   | [Find a PAIP producer](http:\/\/www.nj.gov\/cgi-bin\/dobi\/paip\/paipmenu.cgi) (or call **1-800-652-2471**) |   |\n|   | [Auto Insurance Purchasing Planner](https:\/\/www.nj.gov\/dobi\/autoplanner.htm) (interactive guide to buying a policy) |   |\n| **Differences Between Basic and Standard Policies** |   |   |\n| The **[Basic Policy](https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/basicpolicy.shtml)** usually costs significantly less than a **Standard Policy**, but provides limited benefits. It is not for everyone, but it does provide enough coverage to meet the minimum insurance requirements of New Jersey law. The **Basic Policy** could be an option for those with few family responsibilities and few assets to protect (including income from a job). |   |   |\n| **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.** |   |   |\n|   |   |   |\n| **Type of Coverage** | **Standard Policy** | **Basic Policy** |\n| **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** |\n| **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 |\n| **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\\* |\n| **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 |\n| **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) |\n| **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) |\n| \\*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. |   |   |\n| **The Right to Sue** |   |   |\n|   |   |   |\n| Important | **The choice you make affects how much your insurance will cost and what claims will be paid in the event of an accident.** The choice you make regarding your right to sue another driver applies to you, your spouse, children and other relatives living with you who are not covered under another automobile insurance policy.    The **Unlimited Right to Sue** and **Limited Right to Sue** options only cover lawsuits for \"pain and suffering\" or non-economic losses. Your medical expenses and some economic losses for injuries in auto accidents will be paid up to the limits of your PIP coverage and are not affected by the choice you make here. |   |\n|   |   |   |\n| Warning | **Insurance companies or their producers or representatives shall not be held liable for your choice of lawsuit option (Limited Right to Sue or Unlimited Right to Sue) or for your choices regarding amounts and types of coverage. You cannot sue an insurance company or its producers or representatives if the Limited Right to Sue option is imposed by law because no choice was made on the coverage selection form. Insurers and their producers or representatives can lose this limitation on liability for failing to act in accordance with the law. See N.J.S.A. 17:28-1.9 for more information.** |   |\n| **More Information** |   |   |\n| If you have any questions about the **Standard Policy** your agent, insurance company or DOBI can assist you. [Find an Auto Insurer](https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/autoinscontacts.htm) [Contact DOBI](https:\/\/www.nj.gov\/dobi\/consumer.htm) |   |   |\n\n|   |   |   |   |   |\n|---|---|---|---|---|\n| [![OPRA](https:\/\/www.nj.gov\/dobi\/dobi_images\/opra.gif)](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. |   | [![Adobe Acrobat](https:\/\/www.nj.gov\/dobi\/dobi_images\/acrobat.gif)](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. |\n\n|   |   |\n|---|---|\n| ![state seal](https:\/\/www.nj.gov\/dobi\/dobi_images\/footer.gif) | [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) |\n| [Privacy Notice](https:\/\/nj.gov\/nj\/privacy.shtml) \\| [Legal Statement](https:\/\/nj.gov\/nj\/legal.shtml) \\| [Accessibility Statement](https:\/\/nj.gov\/nj\/accessibility.shtml) |   |\n| Copyright © State of New Jersey, 1996 -   State of New Jersey  New Jersey Department of Banking and Insurance |   |","attrs_readable_markdown":"|   |   |   |   |\n|---|---|---|---|\n| [![NJ Department of Banking and Insurance](https:\/\/www.nj.gov\/dobi\/dobi_images\/dobihead.png)](https:\/\/www.nj.gov\/dobi\/index.html) |   |   |   |\n| [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\/) |   |   |   |\n|   |   |   |   |\n|   |   | **Translate** | [**Translator Disclaimer**](https:\/\/www.nj.gov\/nj\/about\/translator\/) |\n\n|   |   |   |\n|---|---|---|\n| [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) \\> Standard Auto Insurance Policy |   |   |\n| **Standard Auto Insurance Policy** |   |   |\n| **Auto insurance is required in New Jersey.** Whether you are buying a new insurance policy or renewing your current policy, you must make many decisions about the coverage you need and how much you can pay. The **Standard Auto Insurance Policy** provides a number of different coverage options and the opportunity to purchase additional protection. The Standard Policy is the type of policy chosen by most New Jersey drivers. It is important to understand your needs. Do you rent or own your own home? Do you have assets to protect (including income from a job)? Will your own health insurance cover auto accident injuries? How much insurance coverage can you afford? These are some of the questions you should ask yourself before choosing a specific coverage plan. |   |   |\n|   |   |   |\n| **More resources** |   |   |\n|   | [Basic Automobile Insurance Policy](https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/basicpolicy.shtml) |   |\n|   | [Special Automobile Insurance Policy](https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/saip.htm) |   |\n|   | [Find an Auto Insurer](https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/autoinscontacts.htm) |   |\n|   | [Find a PAIP producer](http:\/\/www.nj.gov\/cgi-bin\/dobi\/paip\/paipmenu.cgi) (or call **1-800-652-2471**) |   |\n|   | [Auto Insurance Purchasing Planner](https:\/\/www.nj.gov\/dobi\/autoplanner.htm) (interactive guide to buying a policy) |   |\n| **Differences Between Basic and Standard Policies** |   |   |\n| The **[Basic Policy](https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/basicpolicy.shtml)** usually costs significantly less than a **Standard Policy**, but provides limited benefits. It is not for everyone, but it does provide enough coverage to meet the minimum insurance requirements of New Jersey law. The **Basic Policy** could be an option for those with few family responsibilities and few assets to protect (including income from a job). |   |   |\n| **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.** |   |   |\n|   |   |   |\n| **Type of Coverage** | **Standard Policy** | **Basic Policy** |\n| **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** |\n| **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 |\n| **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\\* |\n| **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 |\n| **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) |\n| **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) |\n| \\*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. |   |   |\n| **The Right to Sue** |   |   |\n|   |   |   |\n| Important | **The choice you make affects how much your insurance will cost and what claims will be paid in the event of an accident.** The choice you make regarding your right to sue another driver applies to you, your spouse, children and other relatives living with you who are not covered under another automobile insurance policy. The **Unlimited Right to Sue** and **Limited Right to Sue** options only cover lawsuits for \"pain and suffering\" or non-economic losses. Your medical expenses and some economic losses for injuries in auto accidents will be paid up to the limits of your PIP coverage and are not affected by the choice you make here. |   |\n|   |   |   |\n| Warning | **Insurance companies or their producers or representatives shall not be held liable for your choice of lawsuit option (Limited Right to Sue or Unlimited Right to Sue) or for your choices regarding amounts and types of coverage. You cannot sue an insurance company or its producers or representatives if the Limited Right to Sue option is imposed by law because no choice was made on the coverage selection form. Insurers and their producers or representatives can lose this limitation on liability for failing to act in accordance with the law. See N.J.S.A. 17:28-1.9 for more information.** |   |\n| **More Information** |   |   |\n| If you have any questions about the **Standard Policy** your agent, insurance company or DOBI can assist you. [Find an Auto Insurer](https:\/\/www.nj.gov\/dobi\/division_consumers\/insurance\/autoinscontacts.htm) [Contact DOBI](https:\/\/www.nj.gov\/dobi\/consumer.htm) |   |   |\n\n|   |   |   |   |   |\n|---|---|---|---|---|\n| [![OPRA](https:\/\/www.nj.gov\/dobi\/dobi_images\/opra.gif)](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. |   | [![Adobe Acrobat](https:\/\/www.nj.gov\/dobi\/dobi_images\/acrobat.gif)](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. |","meta_canonical":null}

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4. Spam/Ban Check

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5. Seen Status Check

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Filter	Status	Condition	Details
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Age cutoff	PASS	`download_stamp > now() - 6 MONTH`	0 months ago
History drop	PASS	`isNull(history_drop_reason)`	No drop reason
Spam/ban	PASS	`fh_dont_index != 1 AND ml_spam_score = 0`	ml_spam_score=0
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URL	https://www.nj.gov/dobi/division_consumers/insurance/standardpolicy.html
Last Crawled	2026-04-17 19:58:30 (16 hours ago)
First Indexed	2019-04-06 10:08:43 (7 years ago)
HTTP Status Code	200
Meta Title	NJDOBI \| Consumer Information - Standard Auto Insurance Policy
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Boilerpipe Text	Governor Mikie Sherrill &nbsp•&nbsp Lt. Governor Dr. Dale G. Caldwell NJHome \| Services \| Departments/Agencies \| FAQs Search Translate Translator Disclaimer Home > Consumer Information > Insurance Topics > Automobile > Standard Auto Insurance Policy Standard Auto Insurance Policy Auto insurance is required in New Jersey. Whether you are buying a new insurance policy or renewing your current policy, you must make many decisions about the coverage you need and how much you can pay. The Standard Auto Insurance Policy provides a number of different coverage options and the opportunity to purchase additional protection. The Standard Policy is the type of policy chosen by most New Jersey drivers. It is important to understand your needs. Do you rent or own your own home? Do you have assets to protect (including income from a job)? Will your own health insurance cover auto accident injuries? How much insurance coverage can you afford? These are some of the questions you should ask yourself before choosing a specific coverage plan. More resources Basic Automobile Insurance Policy Special Automobile Insurance Policy Find an Auto Insurer Find a PAIP producer (or call 1-800-652-2471 ) Auto Insurance Purchasing Planner (interactive guide to buying a policy) Differences Between Basic and Standard Policies The Basic Policy usually costs significantly less than a Standard Policy , but provides limited benefits. It is not for everyone, but it does provide enough coverage to meet the minimum insurance requirements of New Jersey law. The Basic Policy could be an option for those with few family responsibilities and few assets to protect (including income from a job). 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 For the Standard Policy , you must make a choice about the rights you will have if you are injured in an automobile accident. Important The choice you make affects how much your insurance will cost and what claims will be paid in the event of an accident. The choice you make regarding your right to sue another driver applies to you, your spouse, children and other relatives living with you who are not covered under another automobile insurance policy. The Unlimited Right to Sue and Limited Right to Sue options only cover lawsuits for "pain and suffering" or non-economic losses. Your medical expenses and some economic losses for injuries in auto accidents will be paid up to the limits of your PIP coverage and are not affected by the choice you make here. Unlimited Right to Sue - Under the No Limitation on Lawsuit Option, you retain the right to sue the person who caused an auto accident for pain and suffering for any injury. Limited Right to Sue - By choosing the Limitation on Lawsuit Option, you agree not to sue the person who caused an auto accident for your pain and suffering unless you sustain one of the permanent injuries listed below: (Choosing this option does not affect your ability to sue for economic damages such as medical expenses and lost wages.) loss of body part significant disfigurement or significant scarring a displaced fracture loss of a fetus permanent injury (Any injury shall be considered permanent when the body part or organ, or both, has not healed to function normally and will not heal to function normally with further medical treatment based on objective medical proof.) death Warning Insurance companies or their producers or representatives shall not be held liable for your choice of lawsuit option (Limited Right to Sue or Unlimited Right to Sue) or for your choices regarding amounts and types of coverage. You cannot sue an insurance company or its producers or representatives if the Limited Right to Sue option is imposed by law because no choice was made on the coverage selection form. Insurers and their producers or representatives can lose this limitation on liability for failing to act in accordance with the law. See N.J.S.A. 17:28-1.9 for more information. More Information If you have any questions about the Standard Policy your agent, insurance company or DOBI can assist you. Find an Auto Insurer Contact DOBI OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey. 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.
Markdown	\| \| \| \| \| \|---\|---\|---\|---\| \| [![NJ Department of Banking and Insurance](https://www.nj.gov/dobi/dobi_images/dobihead.png)](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)\> Standard Auto Insurance Policy \| \| \| \| Standard Auto Insurance Policy \| \| \| \| Auto insurance is required in New Jersey.Whether you are buying a new insurance policy or renewing your current policy, you must make many decisions about the coverage you need and how much you can pay. The Standard Auto Insurance Policy provides a number of different coverage options and the opportunity to purchase additional protection. The Standard Policy is the type of policy chosen by most New Jersey drivers. It is important to understand your needs. Do you rent or own your own home? Do you have assets to protect (including income from a job)? Will your own health insurance cover auto accident injuries? How much insurance coverage can you afford? These are some of the questions you should ask yourself before choosing a specific coverage plan. \| \| \| \| \| \| \| \| More resources \| \| \| \| \| [Basic Automobile Insurance Policy](https://www.nj.gov/dobi/division_consumers/insurance/basicpolicy.shtml) \| \| \| \| [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) \| \| \| Differences Between Basic and Standard Policies \| \| \| \| The [Basic Policy](https://www.nj.gov/dobi/division_consumers/insurance/basicpolicy.shtml) usually costs significantly less than a Standard Policy, but provides limited benefits. It is not for everyone, but it does provide enough coverage to meet the minimum insurance requirements of New Jersey law. The Basic Policy could be an option for those with few family responsibilities and few assets to protect (including income from a job). \| \| \| \| 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 LiabilityCoverage 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 ProtectionCoverage for injuries sustained in an automobile accident by you or other persons covered under your policy \| As low as: \$15,000 per person or accidentAs 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* \| \| \| \| \| \| \| \| Important \| The choice you make affects how much your insurance will cost and what claims will be paid in the event of an accident. The choice you make regarding your right to sue another driver applies to you, your spouse, children and other relatives living with you who are not covered under another automobile insurance policy. The Unlimited Right to Sue and Limited Right to Sue options only cover lawsuits for "pain and suffering" or non-economic losses. Your medical expenses and some economic losses for injuries in auto accidents will be paid up to the limits of your PIP coverage and are not affected by the choice you make here. \| \| \| \| \| \| \| Warning \| Insurance companies or their producers or representatives shall not be held liable for your choice of lawsuit option (Limited Right to Sue or Unlimited Right to Sue) or for your choices regarding amounts and types of coverage. You cannot sue an insurance company or its producers or representatives if the Limited Right to Sue option is imposed by law because no choice was made on the coverage selection form. Insurers and their producers or representatives can lose this limitation on liability for failing to act in accordance with the law. See N.J.S.A. 17:28-1.9 for more information. \| \| \| More Information \| \| \| \| If you have any questions about the Standard Policy your agent, insurance company or DOBI can assist you. [Find an Auto Insurer](https://www.nj.gov/dobi/division_consumers/insurance/autoinscontacts.htm) [Contact DOBI](https://www.nj.gov/dobi/consumer.htm) \| \| \| \| \| \| \| \| \| \|---\|---\|---\|---\|---\| \| [![OPRA](https://www.nj.gov/dobi/dobi_images/opra.gif)](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. \| \| [![Adobe Acrobat](https://www.nj.gov/dobi/dobi_images/acrobat.gif)](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. \| \| \| \| \|---\|---\| \| ![state seal](https://www.nj.gov/dobi/dobi_images/footer.gif) \| [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 \| \|
Readable Markdown	\| \| \| \| \| \|---\|---\|---\|---\| \| [![NJ Department of Banking and Insurance](https://www.nj.gov/dobi/dobi_images/dobihead.png)](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) \> Standard Auto Insurance Policy \| \| \| \| Standard Auto Insurance Policy \| \| \| \| Auto insurance is required in New Jersey. Whether you are buying a new insurance policy or renewing your current policy, you must make many decisions about the coverage you need and how much you can pay. The Standard Auto Insurance Policy provides a number of different coverage options and the opportunity to purchase additional protection. The Standard Policy is the type of policy chosen by most New Jersey drivers. It is important to understand your needs. Do you rent or own your own home? Do you have assets to protect (including income from a job)? Will your own health insurance cover auto accident injuries? How much insurance coverage can you afford? These are some of the questions you should ask yourself before choosing a specific coverage plan. \| \| \| \| \| \| \| \| More resources \| \| \| \| \| [Basic Automobile Insurance Policy](https://www.nj.gov/dobi/division_consumers/insurance/basicpolicy.shtml) \| \| \| \| [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) \| \| \| Differences Between Basic and Standard Policies \| \| \| \| The [Basic Policy](https://www.nj.gov/dobi/division_consumers/insurance/basicpolicy.shtml) usually costs significantly less than a Standard Policy, but provides limited benefits. It is not for everyone, but it does provide enough coverage to meet the minimum insurance requirements of New Jersey law. The Basic Policy could be an option for those with few family responsibilities and few assets to protect (including income from a job). \| \| \| \| 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 accidentAs 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 accidentAs 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* \| \| \| \| \| \| \| \| Important \| The choice you make affects how much your insurance will cost and what claims will be paid in the event of an accident. The choice you make regarding your right to sue another driver applies to you, your spouse, children and other relatives living with you who are not covered under another automobile insurance policy. The Unlimited Right to Sue and Limited Right to Sue options only cover lawsuits for "pain and suffering" or non-economic losses. Your medical expenses and some economic losses for injuries in auto accidents will be paid up to the limits of your PIP coverage and are not affected by the choice you make here. \| \| \| \| \| \| \| Warning \| Insurance companies or their producers or representatives shall not be held liable for your choice of lawsuit option (Limited Right to Sue or Unlimited Right to Sue) or for your choices regarding amounts and types of coverage. You cannot sue an insurance company or its producers or representatives if the Limited Right to Sue option is imposed by law because no choice was made on the coverage selection form. Insurers and their producers or representatives can lose this limitation on liability for failing to act in accordance with the law. See N.J.S.A. 17:28-1.9 for more information. \| \| \| More Information \| \| \| \| If you have any questions about the Standard Policy your agent, insurance company or DOBI can assist you. [Find an Auto Insurer](https://www.nj.gov/dobi/division_consumers/insurance/autoinscontacts.htm) [Contact DOBI](https://www.nj.gov/dobi/consumer.htm) \| \| \| \| \| \| \| \| \| \|---\|---\|---\|---\|---\| \| [![OPRA](https://www.nj.gov/dobi/dobi_images/opra.gif)](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. \| \| [![Adobe Acrobat](https://www.nj.gov/dobi/dobi_images/acrobat.gif)](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. \|
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