Requires automobile insurance policies to provide uninsured and underinsured motorist coverage equal to policy liability limits of insured motorists.

This bill requires all standard auto insurance policies in New Jersey to include uninsured and underinsured motorist coverage equal to the policy's bodily injury liability limits. It sets phased-in minimum coverage amounts: $15,000/$30,000 (pre-2023), $25,000/$50,000 (2023-2025), and $35,000/$70,000 (2026+), for injuries per person or accident. The law also mandates property damage coverage up to the policy's liability limit for property damage, with a $500 deductible, and prohibits stacking coverage across multiple vehicles or policies. This directly affects car insurance policyholders in New Jersey by standardizing coverage levels to better protect them when hit by uninsured or underinsured drivers.