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

This bill creates a program enabling New Jersey counties and municipalities to use automated license plate readers to enforce motor vehicle insurance requirements. Law enforcement can access a centralized database (once 90% of auto insurers submit data) to identify uninsured vehicles, using a sworn affidavit as probable cause for prosecution. It also establishes a diversion program where prosecutors may defer charges if drivers obtain insurance within six months, with a $245 surcharge partially funding the program. The law requires the Motor Vehicle Commission to verify database readiness before implementation and restricts data use solely to insurance enforcement.