With no PIP on your motorcycle and thousands of New Jersey drivers carrying bare-minimum or Basic Policy coverage, uninsured and underinsured motorist coverage is the rider's real safety net. Here is how it works and why your limits matter.

New Jersey is a no-fault state, but its no-fault law leaves motorcyclists out. You get no PIP for your own medical bills, and that same exclusion hands you back the full right to sue for pain and suffering. Here is how both halves work.