Prohibits motor vehicle liability insurance policy from restricting full payment of recovery amounts under covered person's policy.

This bill sets minimum liability coverage requirements for standard auto insurance policies in New Jersey. It mandates specific bodily injury limits ($15,000-$35,000 per person, $30,000-$70,000 for multiple people) and property damage coverage ($25,000 per accident), effective in phases starting in 2023. It also requires insurers to offer uninsured/underinsured motorist coverage up to $250,000 per person/$500,000 per accident, while prohibiting "stacking" multiple policies to exceed these limits. The law directly affects drivers purchasing standard auto insurance policies by ensuring minimum coverage levels for injuries and property damage claims.