Revises law concerning physical damage inspection of vehicle by automobile insurer.

This bill allows auto insurers in New Jersey to permit policyholders to conduct self-inspections of vehicles using a mobile app, replacing in-person inspections under specific conditions. It establishes standardized waiver categories (e.g., for new cars from dealers, leased vehicles under six months, or continuous coverage) and requires insurers to use a uniform process to avoid discrimination. Policyholders must submit photos showing all vehicle sides, odometer readings, EPA stickers, and VINs via the insurer’s app, with strict photo requirements. The bill directly affects insurers, policyholders, and the Department of Banking and Insurance, which must oversee implementation and prevent fraud through consistent waiver rules.