Requires parties in arbitration proceedings to be represented by attorneys in certain circumstances.

S 4681 requires that individuals or companies involved in arbitration cases about personal injury protection insurance claims must be represented by a licensed New Jersey attorney. This applies specifically to disputes over claims covered under New Jersey's personal injury protection insurance law (C.39:6A-4). The bill mandates attorney representation for all parties in these arbitration proceedings, effective 90 days after enactment for cases filed on or after that date. It directly affects people or businesses seeking or contesting personal injury protection insurance benefits through arbitration.