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NJ S3125

Bill

Official Source

Status

Introduced

1/13/2026

Primary Sponsor

Nicholas Scutari

Click for details

Origin

Senate

2026-2027 Regular Session

AI Summary

  • Mandates $250,000 in personal injury protection (PIP) medical expense benefits per person per accident for both standard and basic automobile insurance policies in New Jersey
  • Eliminates the current option under standard policies to purchase lower medical expense benefit amounts ($15,000, $50,000, $75,000, or $150,000)
  • Removes the tiered coverage structure under basic policies, which currently provides $15,000 base coverage with $250,000 only for severe injuries like brain injury, spinal cord injury, or disfigurement
  • Takes effect 30 days after enactment and applies to policies issued or renewed after the effective date
  • Sponsored by Senator Nicholas P. Scutari (District 22) and Senator Jon M. Bramnick (District 21) for the 222nd Legislature, pre-filed for the 2026 session

Legislative Description

Eliminates certain personal injury protection options available under standard automobile insurance policies; requires $250,000 of medical expense benefits under standard and basic automobile insurance policies.

Commerce

Last Action

Introduced in the Senate, Referred to Senate Commerce Committee

1/13/2026

Committee Referrals

Commerce1/13/2026

Full Bill Text

No bill text available