Senate Commerce Committee Statement to Senate, No. 3187 — State of New Jersey (May 18, 2026)

Summary

A Senate Commerce Committee statement to the Senate on Senate Bill No. 3187, State of New Jersey, dated May 18, 2026, reporting the bill favorably. The bill bars a motor vehicle liability insurance policy from restricting the amount that may be recovered, whether the person is a permissive user, named insured, listed driver, resident relative, or passenger, other than the policy's maximum limits for bodily injury liability, property damage liability, and uninsured and underinsured motorist coverage. A policy would be deemed to provide those maximum coverages to any insured individual. The bill was pre-filed for introduction in the 2026-2027 session and includes the changes required by technical review.

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SENATE COMMERCE COMMITTEE

STATEMENT TO

SENATE, No.
3187

STATE
OF NEW JERSEY

DATED: MAY 18,
2026

The Senate Commerce Committee reports favorably Senate
Bill No. 3187.

This
bill prohibits a motor vehicle liability insurance policy from restricting the
amount that may be recovered under the policy.

Under
the bill, a motor vehicle liability insurance policy will be prohibited from
restricting the amount that may be recovered under the policy, whether the
person is a permissive user, named insured, listed driver, resident relative,
or passenger, other than the maximum recovery limit provided in the policy for
bodily injury liability, property damage liability, and uninsured and
underinsured motorist coverage. The bill also provides that a policy will be
deemed to provide the maximum bodily injury liability, property damage
liability, and uninsured or underinsured motorist coverage available under the
policy, to any insured individual, regardless of whether the individual is an
additional named insured under that policy or is a named insured, or is covered
under any other policy providing bodily injury liability, property damage
liability and uninsured or underinsured motorist coverage.

This bill was pre-filed for introduction in the
2026-2027 session pending technical review. As reported, the bill includes the
changes required by technical review, which has been performed.

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