What kind of insurance is required for all drivers in New Jersey?

In New Jersey, all drivers are required to have liability insurance, which is a fundamental component of car insurance that helps cover damages or injuries that the driver may cause to other people or their property while driving. This type of insurance ensures that drivers can financially compensate others if they are at fault in an accident, protecting both the driver and other road users.

Liability insurance includes two main parts: bodily injury liability, which covers medical expenses and lost wages for other people injured in an accident that you cause, and property damage liability, which pays for repairs to someone else's vehicle or property that you damage. This requirement reflects the state’s emphasis on safety and accountability on the roads.

The other options provided, such as comprehensive insurance, health insurance, and collision insurance, are not mandatory. Comprehensive insurance covers damage to your vehicle from non-collision incidents (like theft or natural disasters), health insurance is related to medical costs not dependent on vehicle use, and collision insurance covers your vehicle's damage in a crash, regardless of fault. While these types of coverage can be beneficial, they are not legally required for drivers in New Jersey.