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

This bill (S 2323) amends New Jersey's auto insurance law to prevent insurers from restricting full recovery for injured parties when seeking compensation from uninsured or underinsured drivers. It specifically prohibits "stacking" coverage limits across multiple vehicles or policies, meaning an injured person cannot combine coverage from several policies to exceed the highest single policy limit. The bill mandates that uninsured/underinsured motorist coverage must include minimum limits of $250,000 per person/$500,000 per accident for bodily injury, and $100,000 for property damage (or $500,000 single limit), but recovery cannot exceed the highest applicable policy limit. This directly affects drivers who file claims against uninsured/underinsured motorists, ensuring they receive compensation up to the highest single policy limit without artificial increases from stacking.