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When it comes to auto insurance, New Jersey is unique due to its specific requirements and regulations. Understanding these can help you make informed decisions and ensure you have the coverage you need. This article provides a detailed overview of auto insurance in New Jersey, including the types of coverage available, legal requirements, and tips for finding the best policy for your needs. 1. Understanding New Jersey’s Auto Insurance Requirements New Jersey operates under a no-fault insurance system, meaning that your own insurance company covers your medical expenses and lost wages regardless of who was at fault in an accident. Here are the key requirements: 1.1 Basic Insurance Plan Personal Injury Protection (PIP): Covers medical expenses, lost wages, and other related costs regardless of fault. Liability Coverage: Covers damages and injuries you cause to others. The minimum required limits are: $15,000 per person for bodily injury $30,000 per...