Accident

NJ 2026 Auto Insurance Minimums: New 35/70/25 Limits in Effect

Beginning in 2026, drivers in New Jersey are now required to carry higher minimum auto insurance coverage limits. While this update is intended to provide better financial assistance for victims in the event of a crash, many drivers are surprised to learn that even the new minimum limits may not be enough to cover them in the event of a catastrophic accident.

New Limits That Are Now In Effect

Under the new updates to the law, the minimum liability coverage required in New Jersey will be as follows.

  • $35,000 for bodily injury claims per person
  • $70,000 for bodily injury claims per accident
  • $25,000 for property damage

If the cost of injuries exceeds the available insurance coverage, victims may face a number of different challenges if they attempt to recover full compensation.

Why the Increases Are Important After A Serious Accident

Though the new limits may seem like a lot of money, many collisions result in injuries that routinely exceed these limits. Consider the following situations.

  • Hospital bills that require extended stays overnight can easily exceed $100,000 in just a few days.
  • Surgeries and rehabilitation costs can also be enormously expensive. For serious injuries, the cost of surgeries and rehabilitation can be hundreds of thousands of dollars.
  • If an accident causes a person to sustain a long-term disability, this can significantly increase total damages.

In the previous situations, an at-fault driver’s insurance coverage could quickly be exceeded. Accordingly, victims can be left without sufficient compensation unless they’re able to identify additional liable parties. This is why it is so important for victims to consult an experienced New Jersey auto accident lawyer.

Why Hiring an Attorney is Important After an Accident

Car accidents remain a leading cause of preventable injury and death across New Jersey. There are several reasons that accident victims should consider hiring a personal injury attorney after a crash.

  • Liable Parties: An attorney can investigate to find all liable parties. This can increase the amount of available insurance coverage to help a victim recover.
  • No Fee: There are no up-front costs to hire a personal injury attorney. They work entirely on a contingency fee basis.
  • Maximizing Compensation: An attorney can take steps to maximize the compensation that you receive after a collision.

Even if your insurance coverage is $100,000 or higher, this does not guarantee that you will get that much in the event of a crash. Insurance companies make money by denying as many claims as possible. An attorney can ensure all of your injuries, treatment costs, and damages are taken into consideration so that you can be fairly compensated. 

We at Beninato & Matrafajlo are glad to see that New Jersey is taking into consideration rising costs as it increases minimum insurance limits. People should not have to stress even more after being seriously injured in a crash. This is why we work so hard to help victims get the medical and financial assistance that they need to move forward with their lives. If you’ve been injured in a car accident, we are here to help you. You can contact us anytime for a risk-free case evaluation at 908-248-4404.

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