It is well known that New Jersey law requires the owner of a registered motor vehicle to carry insurance on that vehicle. Insurance obviously protects you in the event you cause an accident and are sued. However, your insurance also provides coverage to you for certain losses.
If you do not have insurance and are involved in an accident in that vehicle you will be precluded from bringing a claim for your medical bills, economic losses such as wage loss, and for compensation for your pain and suffering from your injuries. This is the case even when you are the innocent victim of another person’s poor driving.