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Before we talk further on the same, it is vital to know some requirement as per the state law with the reference to New Jersey insurance coverage.
Therefore on have to keep some of these things in mind.
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New Jersey state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage with 15/30 UM limits.
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