Prohibits automobile insurance policies from disclaiming uninsured or underinsured motorist coverage based on use of motor vehicle owned by insured's employer.

This bill prohibits New Jersey automobile insurance policies from denying uninsured or underinsured motorist coverage when an employee uses a vehicle owned by their employer for business purposes. It ensures employees cannot be denied coverage for accidents involving uninsured or underinsured drivers simply because they were operating an employer-owned vehicle, even if they regularly use it for work. The law directly affects employees covered under employer-insured policies who are injured in such accidents. This amendment responds to court rulings (like *Venters v. Selected Risks Insurance Company*) where insurers incorrectly denied coverage in these situations.