New Jersey Basic Auto Insurance Policy : Best Car Accident Lawyers in New Jersey - Belleville, NJ Patch. Three types of auto insurance policies are mandatory in new jersey. It is important to realize that you are breaking the law if you drive uninsured. New jersey offers a form of residual auto insurance known as the special automobile insurance policy (saip). New jersey differs from other states in that consumers can opt for one of two types of policies: New jersey drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

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The basic policy tends to be significantly cheaper and helps people meet the minimum statutory requirement for coverage but it offers limited.

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If you drive without auto insurance, you are breaking the law in new jersey, which the new jersey automobile insurance cost reduction act states a basic policy must be available to all drivers.

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The basic nj car insurance policy covers your own injuries and a small amount of damage to other cars you hit, which makes it suitable only for those who have little savings or car insurance for new jersey drivers with bad credit.

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