Requires liability insurance coverage for special automobile insurance policies.

This bill requires drivers in New Jersey to carry minimum liability insurance coverage for standard auto policies, with increasing limits over time: $15,000/$30,000 for pre-2023 policies, $25,000/$50,000 for 2023-2025 policies, and $35,000/$70,000 for 2026 onward. It also mandates uninsured/underinsured motorist coverage with minimum limits of $250,000 per person/$500,000 per accident for bodily injury, and $100,000/$500,000 for property damage. The law restricts "stacking" multiple policies for higher coverage and requires uniform statewide rates for these coverages. It directly affects all drivers purchasing standard auto insurance in New Jersey, ensuring minimum financial protection for injury and property damage claims.