Driving without auto insurance is against the law in New Jersey, and the penalties for driving uninsured are getting more severe. Persons caught driving uninsured already face the mandatory loss of driving privileges for a year. A second offense brings 14 days in jail.

New Jersey's auto insurance reforms will make impoundment of uninsured vehicles swifter and more certain after June 9, 2004.

New Jersey offers many options for getting insured. If you have few assets or none at all, the Basic Policy, which offers minimum limit liability, might be right for you. Or, New Jersey's Special Automobile Insurance Policy, which provides emergency and catastrophic care, is available for eligible federal Medicaid recipients.