S.3187

New Jersey S3187 prohibits motor vehicle liability insurance policies from restricting recovery amounts.

New Jersey S3187 amends motor vehicle liability insurance policies to prohibit restrictions on the amount that may be recovered under the policy. The bill ensures that all policyholders, including permissive users, named insureds, listed drivers, resident relatives, and passengers, can recover up to the policy's maximum limits for bodily injury liability, property damage liability, and uninsured and underinsured motorist coverage. The policy must provide the maximum available coverage to any insured individual, regardless of their status under the policy.