{"id":1230,"date":"2026-01-23T15:14:56","date_gmt":"2026-01-23T15:14:56","guid":{"rendered":"https:\/\/www.insuregeek.net\/?p=1230"},"modified":"2026-01-23T15:14:56","modified_gmt":"2026-01-23T15:14:56","slug":"new-jerseys-2026-limit-hike","status":"publish","type":"post","link":"https:\/\/www.insudebt.us\/?p=1230","title":{"rendered":"New Jersey\u2019s 2026 Limit Hike"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">What the New 35\/70\/25 Minimums Mean for Your Wallet<\/h3>\n\n\n\n<p>If you live in the Garden State, January 1, 2026, brought a significant change to your policy. New Jersey has officially completed the final phase of its auto insurance reform, raising the mandatory minimum liability limits for the first time in decades.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"686\" height=\"386\" src=\"https:\/\/www.insuregeek.net\/wp-content\/uploads\/2026\/01\/10.jpg\" alt=\"\" class=\"wp-image-1231\" srcset=\"https:\/\/www.insudebt.us\/wp-content\/uploads\/2026\/01\/10.jpg 686w, https:\/\/www.insudebt.us\/wp-content\/uploads\/2026\/01\/10-300x169.jpg 300w\" sizes=\"(max-width: 686px) 100vw, 686px\" \/><\/figure>\n\n\n\n<p><strong>The New Numbers<\/strong>&nbsp;Previously, many drivers carried &#8220;25\/50\/25&#8221; coverage. As of 2026, the new legal baseline is&nbsp;<strong>35\/70\/25<\/strong>:<\/p>\n\n\n\n<ul>\n<li><strong>$35,000<\/strong>\u00a0for bodily injury per person (Up from $25k).<\/li>\n\n\n\n<li><strong>$70,000<\/strong>\u00a0for bodily injury per accident (Up from $50k).<\/li>\n\n\n\n<li><strong>$25,000<\/strong>\u00a0for property damage (Unchanged).<\/li>\n<\/ul>\n\n\n\n<p><strong>Why the Change?<\/strong>&nbsp;Rising medical costs and the high cost of high-tech car repairs meant that the old $25,000 limits were often exhausted after a single ER visit, leaving drivers vulnerable to personal lawsuits.<\/p>\n\n\n\n<p><strong>What You Need to Do:<\/strong>&nbsp;Your insurer likely adjusted these limits automatically at your 2026 renewal. However, you should check your &#8220;Declarations Page.&#8221; If you have an&nbsp;<strong>Umbrella Policy<\/strong>, you must ensure your new auto limits still meet the &#8220;underlying limit&#8221; requirements of your umbrella carrier to avoid a massive gap in your protection.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What the New 35\/70\/25 Minimums Mean for Your Wallet If you live in the Garden State, January 1, 2026, brought a significant change to your policy. New Jersey has officially completed the final phase of its auto insurance reform, raising the mandatory minimum liability limits for the first time in decades. The New Numbers&nbsp;Previously, many&hellip;<\/p>\n","protected":false},"author":1,"featured_media":1231,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"_links":{"self":[{"href":"https:\/\/www.insudebt.us\/index.php?rest_route=\/wp\/v2\/posts\/1230"}],"collection":[{"href":"https:\/\/www.insudebt.us\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insudebt.us\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insudebt.us\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insudebt.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1230"}],"version-history":[{"count":1,"href":"https:\/\/www.insudebt.us\/index.php?rest_route=\/wp\/v2\/posts\/1230\/revisions"}],"predecessor-version":[{"id":1232,"href":"https:\/\/www.insudebt.us\/index.php?rest_route=\/wp\/v2\/posts\/1230\/revisions\/1232"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insudebt.us\/index.php?rest_route=\/wp\/v2\/media\/1231"}],"wp:attachment":[{"href":"https:\/\/www.insudebt.us\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1230"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insudebt.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1230"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insudebt.us\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1230"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}