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JB

Bill

S 1382

Revises personal injury protection coverage for basic automobile insurance policies from $15,000 to $20,000 and requires $50,000 minimum personal injury protection coverage for standard automobile liability insurance policies.

2026-2027 Regular Session Introduced by Jon Bramnick and 1 co-sponsor

New Jersey bill raises mandatory auto insurance personal injury protection minimums from $15,000 to $20,000 basic and adds $50,000 standard requirement, increasing coverage limits but also likely raising driver insurance costs.

Introduced in the Senate, Referred to Senate Commerce Committee
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WeVote Research Nonpartisan
Bill Summary · S 1382

Legislative bill overview

S 1382 increases the minimum personal injury protection (PIP) coverage requirements for New Jersey auto insurance policies. It raises the basic auto insurance PIP limit from $15,000 to $20,000 and establishes a new $50,000 minimum PIP requirement for standard liability insurance policies.

Why is this important

Personal injury protection covers medical expenses, lost wages, and other costs resulting from car accidents regardless of fault. Increasing these minimums means accident victims would have access to higher compensation limits, but also that New Jersey drivers would face higher insurance premiums to fund these expanded protections.

Potential points of contention

  • Cost impact on drivers: Higher minimum coverage requirements typically increase insurance premiums for all policyholders, potentially affecting affordability for lower-income drivers
  • Inflationary adjustment rationale: The bill doesn't clarify why these specific amounts ($20,000 and $50,000) were selected or whether they reflect updated medical/wage cost analyses since the last increase
  • Two-tier coverage confusion: Creating both basic ($20,000) and standard ($50,000) PIP minimums could create consumer confusion about which applies to their policy and why the disparity exists

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

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