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Read. Follow. Verify.New Jersey Bill A280 Raises Minimum Automobile Insurance Coverage Limits for Property Damage and Uninsured Motorists
Last action · October 29, 2026: Withdrawn from ConsiderationSponsors: Paul Kanitra and 1 other
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What This Bill Proposed
This bill raises the mandatory minimum automobile insurance coverage limits across New Jersey for property damage liability, uninsured motorist, and underinsured motorist policies. Specifically, the bill increases minimum bodily injury coverage for single individuals from $15,000 to $50,000 and for multiple individuals from $30,000 to $100,000, while raising property damage coverage limits.
- New Jersey requires all motor vehicle owners to maintain liability insurance coverage under the oversight of the Department of Banking and Insurance. context
- Minimum automobile insurance coverage limits in New Jersey are established through statutory laws that periodically undergo legislative review and adjustment. context
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
Automobile insurance policyholders
Policyholders must maintain higher minimum coverage limits for property damage and uninsured or underinsured motorist protection.
Corporate and business vehicle owners
Business entities maintaining motor vehicle liability policies must provide employees with maximum uninsured or underinsured motorist coverage available under the policy.
Insurance carriers
Insurers must adjust policy offerings, minimum payout limits, and statewide uniform rates to comply with the updated statutory requirements.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
Does this bill affect basic automobile insurance policies?
Can policyholders stack coverage limits from multiple policies?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Withdrawn.
Procedural history
2 actions- Oct 29, 2026HouseWithdrawn from Consideration
- Jan 13, 2026HouseIntroducedIntroduced, Referred to Assembly Financial Institutions and Insurance Committee
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Substantial Increase in Minimum Liability Thresholds
The legislation implements a major upward revision to statutory automobile insurance minimums that have remained unchanged for extended periods across multiple policy types.
Connected Entities
Sources
njleg.state.nj.us
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 75)
- Controversy35Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz25Current news / social attention level
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