Prohibits automobile insurance policies from disclaiming uninsured or underinsured motorist coverage based on use of motor vehicle owned by insured's employer.

S 4156 prohibits auto insurance policies from denying uninsured or underinsured motorist coverage to employees injured while using an employer-owned vehicle for business purposes. It requires that such employees receive coverage at least as high as the coverage provided to the business entity under the policy, regardless of how frequently the vehicle is used for work. This applies to all auto insurance policies issued to corporate or business entities in New Jersey, ensuring employees can claim coverage in accidents involving uninsured or underinsured drivers. The law directly affects employees of businesses with auto insurance policies and prevents insurers from excluding coverage based solely on business vehicle use.