Requires automobile insurers to include appraisal provisions in insurance policies.

This bill requires New Jersey automobile insurers to include a specific appraisal process in all insurance policies. It directly affects policyholders and insurers when they disagree on the value of a damaged car (including repair costs or total loss value) or the settlement offer for a third-party injury claim. The process mandates that if a dispute arises, the policyholder or insurer can request a neutral appraiser to assess the value, with a backup umpire or judge resolving disagreements if appraisers cannot agree. The law applies to claims filed 90 days after enactment and aims to provide a structured method for resolving valuation disputes without litigation.