S.3125

Eliminates certain personal injury protection options available under standard automobile insurance policies; requires $250,000 of medical expense benefits under standard and basic automobile insurance policies.

Introduced·1/13/26
Introduced Text

New Jersey S3125 mandates $250,000 of medical expense benefits under standard and basic automobile insurance policies, eliminating certain personal.

New Jersey S3125 amends automobile insurance policies to require $250,000 of medical expense benefits under both standard and basic policies, superseding previous options of $150,000, $75,000, $50,000, or $15,000 per person per accident. The bill also mandates that medical expense benefits cannot be assigned or subject to debt satisfaction processes. It further stipulates that benefits are payable for necessary and reasonable expenses incurred for substitute essential services, with a daily limit of $12 and an annual cap of $4,380.

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Where it stands

Current
Commerce Committee
Next
Committee decision

Sponsors

D
1
1
R
Democratic CaucusRepublican Caucus

History

Jan 13

Senate

Introduced in the Senate, Referred to Senate Commerce Committee