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

This bill prohibits automobile insurers in New Jersey from excluding uninsured or underinsured motorist coverage when an insured uses a vehicle owned by their employer. It directly affects employees who drive employer-owned vehicles as part of their job duties. The key provision requires insurers to provide full coverage under these circumstances without disclaimers, ensuring protection for drivers using work vehicles. The bill amends existing insurance law to eliminate this specific exclusion, maintaining consistent coverage requirements for all covered vehicles.