: Ensure you at least meet the state requirements of $15k/$30k/$5k for bodily injury and property damage.

: Your own Personal Injury Protection (PIP) typically covers your medical expenses first.

A few months prior, Marco had been overwhelmed by his options. He’d heard that NJM Insurance Group was often cited as one of the best and most affordable in the state, but he also saw high rankings for Geico and Progressive. After a consultation with an independent agent at VIA Insurance Agency in Linden, he learned that New Jersey is a . This meant that if he ever got into a scuffle on the Turnpike, his own insurance would handle his medical bills regardless of who caused the dent.

: A specialized "Dollar a Day" policy exists specifically for drivers on Federal Medicaid.

The humidity was thick as Marco pulled his sedan onto the Garden State Parkway. Like many New Jerseyans, Marco lived by a strict code of lane discipline and a healthy respect for the "no-fault" laws he’d only recently come to understand.

AI responses may include mistakes. For financial advice, consult a professional. Learn more Special Automobile Insurance Policy (SAIP) - NJ.gov

As he waited for the tow truck near the Woodbridge exit, Marco realized that in a state with some of the highest insurance hikes in the country, his best defense wasn't just his brakes—it was the policy he’d carefully chosen. Key Takeaways for NJ Drivers