A New Jersey driver with liability policy limits of 50/100/25 may purchase Uninsured and Underinsured Motorists coverage in which maximum amounts?

A New Jersey driver with liability policy limits of 50/100/25 may purchase Uninsured and Underinsured Motorists coverage in which maximum amounts?

• A. $50,000/$100,000/$25,000
• B. $100,000/$300,000/$50,000
• C. $25,000/$50,000/$25,000
• D. $75,000/$150,000/$50,000

Answer: (A)

Uninsured and Underinsured Motorist coverage in New Jersey cannot exceed the liability limits shown on your policy. The UM/UIM amounts must be at most the same three figures as your bodily injury and property damage limits: per person BI, per accident BI, and PD. With liability limits of 50/100/25, the highest UM/UIM you can purchase is 50/100/25. This matches your available liability protection, ensuring your protection from uninsured or underinsured drivers aligns with the coverage you already have. Choosing higher UM/UIM limits would go beyond your liability limits, and choosing lower limits would not be the maximum you’re allowed.

Uninsured and Underinsured Motorist coverage in New Jersey cannot exceed the liability limits shown on your policy. The UM/UIM amounts must be at most the same three figures as your bodily injury and property damage limits: per person BI, per accident BI, and PD.

With liability limits of 50/100/25, the highest UM/UIM you can purchase is 50/100/25. This matches your available liability protection, ensuring your protection from uninsured or underinsured drivers aligns with the coverage you already have. Choosing higher UM/UIM limits would go beyond your liability limits, and choosing lower limits would not be the maximum you’re allowed.