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Bill

Bill

S 130

Increases automobile liability insurance coverage amounts for persons convicted of DWI.

2026-2027 Regular Session Introduced by Jim Holzapfel

New Jersey bill requiring DWI-convicted drivers to carry higher automobile liability insurance to compensate accident victims and deter impaired driving reoffenses.

Introduced in the Senate, Referred to Senate Commerce Committee
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WeVote Research Nonpartisan
Bill Summary · S 130

Legislative bill overview

S 130 would increase the minimum automobile liability insurance coverage requirements specifically for drivers convicted of driving while impaired (DWI). The bill targets repeat or high-risk offenders by mandating higher insurance limits as a condition of license reinstatement or vehicle operation privileges following a DWI conviction.

Why is this important

DWI-convicted drivers statistically pose elevated accident risk and financial liability exposure. Higher insurance requirements aim to ensure victim compensation for accidents caused by impaired drivers and potentially deter repeat offenses. This addresses gaps where standard liability coverage may be insufficient to cover damages from alcohol-related collisions.

Potential points of contention

  • Insurance cost burden: Significantly higher premiums for DWI offenders may create financial hardship and could incentivize driving without proper insurance, potentially worsening public safety
  • Proportionality concerns: Whether elevated insurance requirements constitute excessive financial penalty beyond existing criminal sentences, fines, and license suspension
  • Effectiveness evidence: Limited data on whether insurance requirement increases actually reduce recidivism or improve traffic safety outcomes compared to other interventions
  • Equity issues: Lower-income offenders may struggle disproportionately to obtain required coverage, potentially creating disparate enforcement outcomes

Compiled from official sources — confirm details with the bill’s official record.

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