New Jersey 2026-2027 Regular Session

New Jersey Assembly Bill A1116

Introduced
1/13/26  

Caption

Establishes motor vehicle insurance compliance programs; allows law enforcement agencies to utilize license plate readers to enforce motor vehicle insurance requirements.

Impact

The bill mandates that all law enforcement agencies using ALPRs confirm identification through a sworn affidavit, which will serve as probable cause for prosecution. Notably, any data captured by these systems will be used strictly for enforcement of insurance laws and cannot be shared for other purposes, ensuring a level of privacy for drivers. The bill is designed to take effect only when at least 90% of the auto insurance market in the state makes relevant data accessible to the MVC's database, highlighting the bill's emphasis on comprehensive data integration prior to implementation.

Summary

Bill A1116 establishes the Uninsured Vehicle Enforcement and Compliance Program, which allows counties and municipalities to enter into contracts with providers of automated license plate readers (ALPR). This initiative is aimed at enhancing the enforcement of compulsory motor vehicle insurance laws in New Jersey. Law enforcement agencies will utilize ALPRs to identify vehicles operating without insurance by accessing a database maintained by the Motor Vehicle Commission (MVC). This approach marks a significant shift in how enforcement can leverage technology and real-time data to ensure compliance with insurance requirements.

Contention

There are potential points of contention with A1116. The reliance on automated technology raises concerns about privacy and the accuracy of the data being collected and used for enforcement. Critics may argue that there is a risk of misidentifying insured vehicles or overstepping privacy boundaries with automated surveillance. Furthermore, the financial burden of the $245 surcharge attached to the diversion program may be seen as punitive for those who violate the insurance law but are otherwise responsible citizens. Thus, discussions around fairness and ethical use of technology in law enforcement will likely persist as this bill moves forward.

Companion Bills

NJ A454

Carry Over Establishes motor vehicle insurance compliance programs; allows law enforcement agencies to utilize license plate readers to enforce motor vehicle insurance requirements.

Similar Bills

No similar bills found.