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

This bill (S 2632) prohibits automobile insurers in New Jersey from refusing uninsured/underinsured motorist coverage based on an insured person using a vehicle owned by their employer. It directly affects employees who drive employer-owned vehicles for work-related purposes, ensuring they cannot be denied this coverage. The key provision requires insurers to include this coverage in all standard auto policies, regardless of the vehicle's ownership. This is a concrete policy change that prevents insurers from excluding specific use cases from mandatory coverage.