"Motor Vehicle Insurance Verification Act"; requires Motor Vehicle Commission to establish online motor vehicle insurance verification system.

This bill requires New Jersey's Motor Vehicle Commission to create an online system for verifying vehicle insurance coverage, directly affecting motor vehicle insurers and law enforcement. Insurers must provide policy data to the system, which law enforcement can use in real-time during traffic stops to check if vehicles have required insurance. The system replaces any existing verification method and allows the Commission to suspend vehicle registration for uninsured drivers until proof of insurance and fees are provided. A nine-month pilot program must test the system before full enforcement begins, with a report due within two years on costs and effectiveness in reducing uninsured vehicles. The bill becomes effective 90 days after enactment.