S3187 • 2026

Prohibits motor vehicle liability insurance policy from restricting amount that may be recovered under policy.

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Scutari, Nicholas P.
Last action: 2026-05-18
Official status: Reported from Senate Committee, 2nd Reading
Effective date: Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

Prohibits motor vehicle liability insurance policy from restricting amount that may be recovered under policy.

What This Bill Does

Prohibits motor vehicle liability insurance policy from restricting amount that may be recovered under policy.
Topic: 2nd Reading in the Senate Fiscal note: This bill has not been certified by OLS for a fiscal note.

Limits and Unknowns

This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

2026-05-18 New Jersey Legislature
Reported from Senate Committee, 2nd Reading
2026-01-13 New Jersey Legislature
Introduced in the Senate, Referred to Senate Commerce Committee

Official Summary Text

Prohibits motor vehicle liability insurance policy from restricting amount that may be recovered under policy.
Topic:
2nd Reading in the Senate
Fiscal note:
This bill has not been certified by OLS for a fiscal note.

Current Bill Text

Read the full stored bill text

S3187 SCM Statement 5/18/26

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.