Prohibits motor vehicle liability insurance policy from restricting amount that may be recovered under policy.

This bill sets minimum coverage requirements for motor vehicle liability insurance in New Jersey, increasing the required amounts for bodily injury and property damage over time. For bodily injury to one person, policies must cover at least $15,000 (before 2023), $25,000 (2023-2025), or $35,000 (2026 onward), with higher limits for multiple injuries. It prohibits stacking multiple policies to exceed these limits and requires uninsured motorist coverage up to $250,000 per person for bodily injury. The bill directly affects all drivers in New Jersey who purchase standard auto insurance policies.