Establishes motor vehicle insurance compliance programs; allows law enforcement agencies to utilize license plate readers to enforce motor vehicle insurance requirements.

This bill creates two programs to address uninsured drivers in New Jersey. The Uninsured Vehicle Enforcement and Compliance Program allows law enforcement to use license plate readers to check if vehicles have insurance by accessing a database maintained by the Motor Vehicle Commission. The Uninsured Vehicle Enforcement Diversion Program gives prosecutors the option to defer prosecution for uninsured drivers who agree to get insurance and pay a $245 surcharge ($120 to fund enforcement, $120 for equipment, and $5 to retirement system). The programs require at least 90% of auto insurance companies to submit data to the database before implementation. The bill aims to increase insurance compliance while providing a resolution path for drivers who want to get insured.