NJ S3774

Requires the New Jersey Motor Vehicle Commission to establish an online system for real-time verification of motor vehicle insurance, accessible to law enforcement during traffic stops and to authorized personnel including courts

Mandates that all motor vehicle insurers authorized to do business in New Jersey provide policy information to the verification system and comply with Insurance Industry Committee on Motor Vehicle Administration (IICMVA) standards

Authorizes the commission to suspend or revoke vehicle registrations when there is reason to believe a vehicle is being operated without insurance, with reinstatement requiring proof of insurance and payment of applicable fees

Requires a nine-month pilot program to test the system, with full operation within one year of the bill's effective date; no enforcement actions may be taken until the pilot is successfully completed

Mandates a report to the Governor and Legislature within two years of system establishment on costs and effectiveness in reducing uninsured motorists