Almost every state requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

You are required to show proof of the minimum insurance coverage to a police officer when you are stopped for a moving traffic violation or involved in a traffic accident—and you may receive a citation if you are not able to show proof of insurance. And in some states you are required to show proof of insurance to register your car. In those states, the failure to register your car may result in an additional citation.

In New Jersey, drivers are mandated by law to have a minimum level of car insurance coverage. This includes both bodily injury liability coverage and property damage liability coverage. The specific minimum amounts required by New Jersey law are $15,000 per person and $30,000 per accident for bodily injury liability, and $5,000 for property damage liability. Additionally, New Jersey requires Personal Injury Protection (PIP) to cover medical expenses and lost wages for the policyholder, regardless of fault, with a minimum of $15,000 per person, per accident. Drivers must provide proof of this insurance when stopped by a police officer for a traffic violation or when involved in an accident. Failure to provide proof of insurance can result in a citation. Furthermore, proof of insurance is also required for vehicle registration in New Jersey. Not registering your vehicle due to lack of insurance can lead to additional penalties.