Requires liability insurance coverage for special automobile insurance policies.

This bill (S 4937) requires all standard automobile insurance policies issued or renewed in New Jersey to include minimum liability coverage for bodily injury and property damage. It sets specific, date-based limits: $35,000 per person/$70,000 total for bodily injury, and $25,000 for property damage (with a $500 deductible) for policies renewed on or after January 1, 2026. The bill also mandates that uninsured/underinsured motorist coverage must be offered at minimum limits of $250,000 per person/$500,000 per accident for bodily injury, and prohibits "stacking" multiple policies to increase coverage limits. These requirements apply to drivers and insurers offering standard auto policies in New Jersey, aiming to standardize coverage levels and prevent gaps in protection.