New Jersey S 2323: Requires opioid antidote prescriptions for certain patients.

Bill Text

S2323 

SENATE, No. 2323 

STATE OF NEW JERSEY

222nd LEGISLATURE

� 

PRE-FILED FOR INTRODUCTION IN THE 2026 SESSION

Sponsored by:

Senator JOHN F. MCKEON

District 27 (Essex and Passaic)

SYNOPSIS

���� Prohibits motor vehicle liability insurance policy 
from restricting full payment of recovery amounts under covered person's 
policy.

CURRENT VERSION OF TEXT 

���� Introduced Pending Technical Review by Legislative 
Counsel.

�� 

An Act concerning automobile insurance policy limits 
and amending P.L.1968, c.385.

���� Be It 
Enacted by the Senate and General Assembly of 
the State of New Jersey:

���� 1.��� Section 2 of P.L.1968, 
c.385 (C.17:28-1.1 et seq.) is amended to read as follows:

���� 2.��� a.� Except for a basic 
automobile insurance policy, no motor vehicle liability policy or renewal of 
such policy of insurance, including a standard liability policy for an 
automobile as defined in section 2 of P.L.1972, c.70 (C.39:6A-2), insuring 
against loss resulting from liability imposed by law for bodily injury or 
death, sustained by any person arising out of the ownership, maintenance or use 
of a motor vehicle, shall be issued in this State with respect to any motor 
vehicle registered or principally garaged in this State unless it includes 
coverage in limits for bodily injury or death as follows:

���� (1) an amount or limit of 
$15,000 for plans issued or renewed prior to January 1, 2023, $25,000 for plans 
issued or renewed on or after January 1, 2023 but prior to January 1, 2026, and 
$35,000 for plans issued or renewed on or after January 1, 2026, exclusive of 
interest and costs, on account of injury to, or death of, one person, in any 
one accident, and

���� (2) an amount or limit, 
subject to such limit for any one person so injured or killed, of� $30,000 for 
plans issued or renewed prior to January 1, 2023, $50,000 for plans issued or 
renewed on or after January 1, 2023 but prior to January 1, 2026, and $70,000 
for plans issued or renewed on or after January 1, 2026, exclusive of interest 
and costs, on account of injury to or death of more than one person, in any one 
accident, under provisions approved by the Commissioner of Banking and 
Insurance, for payment of all or part of the sums which the insured or his 
legal representative shall be legally entitled to recover as damages from the 
operator or owner of an uninsured motor vehicle, underinsured motor vehicle, or 
hit and run motor vehicle, as defined in section 18 of P.L.1952, c.174 
(C.39:6-78), because of bodily injury, sickness or disease, including death 
resulting therefrom, sustained by the insured, caused by accident and arising 
out of the ownership, maintenance, operation or use of such uninsured, underinsured 
or hit and run motor vehicle anywhere within the United States or Canada; 
except that uninsured motorist coverage shall provide that in order to recover 
for non-economic loss, as defined in section 2 of P.L.1972, c.70 (C.39:6A-2), 
for accidents to which the benefits of section 4 (C.39:6A-4) of that act apply, 
the tort option elected pursuant to section 8 (C.39:6A-8) of that act shall 
apply to that injured person.

���� All motor vehicle liability 
policies, except basic automobile insurance policies, shall also include 
coverage for the payment of all or part of the sums which persons insured 
thereunder shall be legally entitled to recover as damages from owners or operators 
of uninsured and underinsured motor vehicles, other than hit and run motor 
vehicles, because of injury to or destruction to the personal property of such 
insured, with a limit in the aggregate for all insurers involved in any one 
accident of $25,000 for plans issued or renewed on or after January 1, 2023, 
and subject, for each insured, to an exclusion of the first $500.00 of such 
damages.

���� b.��� Uninsured and 
underinsured motorist coverage shall be provided, as an option by an insurer to 
the named insured electing a standard automobile insurance policy, up to at 
least the following limits: $250,000.00 each person and $500,000.00 each 
accident for bodily injury; $100,000.00 each accident for property damage or 
$500,000.00 single limit, subject to an exclusion of the first $500.00 of such 
damage to property for each accident, except that the limits for uninsured and 
underinsured motorist coverage shall not exceed the insured's motor vehicle 
liability policy limits for bodily injury and property damage, respectively.

���� Rates for uninsured and 
underinsured motorist coverage for the same limits shall, for each filer, be 
uniform on a Statewide basis without regard to classification or territory.

���� c.���� Uninsured and 
underinsured motorist coverage provided for in this section shall not be 
increased by stacking the limits of coverage of multiple motor vehicles covered 
under the same policy of insurance nor shall these coverages be increased by 
stacking the limits of coverage of multiple policies available