S 3187 New Jersey Senate · 2026-2027 Regular Session

Prohibits motor vehicle liability insurance policy from restricting amount that may be recovered under policy.

S 3187 (New Jersey) requires auto insurance policies to provide minimum coverage limits for bodily injury and property damage, with amounts increasing over time (e.g., $35,000 for bodily injury per person after 2026). It directly affects drivers in New Jersey by mandating that policies cannot restrict recovery amounts for injuries or property damage caused by uninsured/underinsured drivers. Key provisions include setting specific minimum limits for bodily injury ($15k-$35k) and property damage ($25k with a $500 deductible), while prohibiting stacking coverage across multiple vehicles or policies. The bill ensures insurers provide at least $250,000 per person for bodily injury under uninsured motorist coverage.

Bill status in committee 1 of 4 stages cleared

Introduction

Jan 2026

Committee Review

Floor Vote

Governor

Introduced Jan 13, 2026 Last action May 18, 2026

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What changed between versions

Technical Review Of Prefiled Bill → Introduced · 3 edits · Jan 13, 2026

MINOR

The bill moved from Senate Commerce Committee technical review to introduced status pending Legislative Counsel review. A minor citation was corrected in the uninsured motorist provision, and a new STATEMENT section was added summarizing the bill's purpose: prohibiting motor vehicle liability insurance policies from restricting recoverable amounts based on the insured person's classification (permissive user, named insured, listed driver, etc.). No substantive policy language was changed.

TECHNICAL

Bill status changed from 'As reported by the Senate Commerce Committee with technical review' to 'Introduced Pending Technical Review by Legislative Counsel.'

Citation in the uninsured motorist provision was simplified from 'section 8 of P.L.1972, c.70 (C.39:6A-8)' to 'section 8 (C.39:6A-8).'

A STATEMENT section was added at the end summarizing that the bill prohibits motor vehicle liability insurance policies from restricting recoverable amounts based on whether the person is a permissive user, named insured, listed driver, resident relative, or passenger, and that a policy is deemed to provide maximum available coverage to any insured individual.

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Full legislative history

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Committee

Jan 13, 2026

Introduced

Introduced in the Senate, Referred to Senate Commerce Committee

upper

2 primary · 1 co-sponsor