NJ A2567

Bill

Prohibits automobile insurance policies from disclaiming uninsured or underinsured motorist coverage based on use of motor vehicle owned by insured's employer.

Introduced
01/13/2026

In Committee
01/13/2026

Crossed Over

Passed

Dead

Introduced Session

2026-2027 Regular Session

Bill Summary

This bill prohibits an automobile insurance policy from disclaiming uninsured or underinsured motorist coverage based on the insured's operation, maintenance, or use, for the business purposes of the insured's employer, of a motor vehicle that is owned by the insured's employer. The prohibition against disclaimer applies even if the insured regularly uses the employer's motor vehicle. This bill is a response to multiple case law decisions, including Venters v. Selected Risks Insurance Company, Edouard v. GEICO, and Siemietkoski v. Velasquez-Flores. Those cases allow insurers to deny coverage, preventing insureds from recovering against their uninsured or underinsured motorist coverage when injured in a motor vehicle accident with an uninsured or underinsured driver while using an employer's vehicle.

AI Summary

This bill prohibits automobile insurance policies from denying uninsured or underinsured motorist coverage, which helps individuals recover damages when they are injured by a driver who has no insurance (uninsured) or insufficient insurance (underinsured), if the accident occurred while the insured was using a vehicle owned by their employer for business purposes. This change is a direct response to court decisions that previously allowed insurers to deny such coverage in these situations, even if the employee regularly used the employer's vehicle. The bill clarifies that this protection applies regardless of how regularly the employee uses the employer's vehicle.

Committee Categories

Business and Industry

Sponsors (1)

Rosaura Bagolie (D)*,

Last Action

Introduced, Referred to Assembly Financial Institutions and Insurance Committee (on 01/13/2026)

Official Document

https://www.njleg.state.nj.us/bill-search/2026/A2567

(3 Companion Bills)

Version:

Document Type	Source Location
State Bill Page	https://www.njleg.state.nj.us/bill-search/2026/A2567
BillText	https://pub.njleg.gov/Bills/2026/A3000/2567_I1.HTM

Bill	Bill Name	Last Action	Type
A5445	Prohibits automobile insurance policies from disclaiming uninsured or underinsured motorist coverage based on use of motor vehicle owned by insured's employer.	Introduced, Referred to Assembly Financial Institutions and Insurance Committee	Carry Over
S2632	Prohibits automobile insurance policies from disclaiming uninsured or underinsured motorist coverage based on use of motor vehicle owned by insured's employer.	Introduced in the Senate, Referred to Senate Commerce Committee	Same As
S4156	Prohibits automobile insurance policies from disclaiming uninsured or underinsured motorist coverage based on use of motor vehicle owned by insured's employer.	Introduced in the Senate, Referred to Senate Commerce Committee	Carry Over

Bill > A2567

summary

Introduced Session

Bill Summary

AI Summary

Committee Categories

Sponsors (1)

Last Action

Official Document

bill text

bill summary

bill summary

bill summary