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New Jersey driving lesson · Vehicle Information

Inspection and insurance

A 3-minute lesson from the New Jersey course. Read the rules and examples, follow the handbook page references, and check your understanding before you move on.

Read time
3 minutes
Course unit
Vehicle Information
Checkpoint questions
6
Source pages
162, 163

Most passenger cars in New Jersey get a state inspection every two years once they're more than five model years old, while commercial vehicles go every year. Every registered vehicle must also carry liability insurance and keep the insurance ID card with the driver.

Know the rule

Gasoline-fueled passenger vehicles, model year 1996 and newer and more than five model years old, must pass inspection every two years at a State inspection station or a licensed private inspection facility (PIF).

Handbook p. 162 ↗

Know the rule

Diesel passenger vehicles, model year 1997 and newer, more than five model years old, with a GVWR of 8,500 pounds or less, must pass emissions inspection every two years.

Handbook p. 162 ↗

Know the rule

New passenger vehicles less than five model years old get a new car dealer sticker that expires five years after first registration.

Handbook p. 162 ↗

Know the rule

Commercial-registered gasoline vehicles, and diesel ones with a GVWR of 8,500 or less, must be inspected every year. Those under one year old from a dealer get a sticker expiring one year after first registration.

Handbook p. 162 ↗

Know the rule

Bring a valid driver license, valid New Jersey registration, and insurance documents to the inspection.

Handbook p. 162 ↗
14 days

Time a new resident has, after registering, to get a passenger vehicle five model years or older inspected

Handbook p. 162 ↗

Know the rule

High-rise and reconstructed vehicles must go to specially equipped stations in Winslow, Asbury Park or Westfield.

Handbook p. 162 ↗

Know the rule

Liability insurance is mandatory for every vehicle registered in New Jersey.

Handbook p. 163 ↗

Know the rule

Keep the New Jersey insurance ID card in the vehicle with the driver. Show it before inspection, after a crash, and when police stop you. An electronic version is acceptable.

Handbook p. 163 ↗

Know the rule

Failing to keep liability insurance or driving an uninsured vehicle can bring fines, community service, license and registration suspension, and surcharges.

Handbook p. 163 ↗

Know the rule

Insurance fraud can bring criminal charges, civil fines of up to $15,000 per violation, and loss of your license. Report fraud anonymously at (877) 55-FRAUD.

Handbook p. 163 ↗

Put it into practice

You move from Florida with a 2016 sedan. Register it within 60 days of moving; because it's more than five model years old, have it inspected within 14 days after you register it.

Check your understanding

Read the question, decide on an answer, then open it to check the explanation. These are Roadwise study questions based on the source handbook.

What civil fine can the Office of the Insurance Fraud Prosecutor impose per violation of insurance fraud?
  1. Up to $1,000
  2. Up to $5,000
  3. Up to $15,000
  4. Up to $50,000

Answer: Up to $15,000

The OIFP can impose civil fines of up to $15,000 for each insurance fraud violation.

Handbook p. 163 ↗
Gasoline-fueled passenger vehicles, model year 1996 and newer, more than five model years old, must pass state inspection how often?
  1. Every year
  2. Every four years
  3. Every two years
  4. Only once, when first registered

Answer: Every two years

Eligible gasoline-fueled passenger vehicles must pass state inspection every two years.

Handbook p. 162 ↗
A motorist moves to New Jersey with a passenger vehicle that is five model years or older. Within how many days after registering must it be inspected?
  1. 60 days
  2. 30 days
  3. 7 days
  4. 14 days

Answer: 14 days

A vehicle five model years or older must be inspected within 14 days after registering when moving to New Jersey.

Handbook p. 162 ↗
What document must remain in a vehicle at all times to show proof of insurance?
  1. The New Jersey Identification (ID) Card
  2. The vehicle's original title
  3. The last inspection report
  4. The policy's full contract

Answer: The New Jersey Identification (ID) Card

A New Jersey Identification (ID) Card is issued for each insured vehicle and must remain in the vehicle.

Handbook p. 163 ↗
Commercial-registered gasoline vehicles must be inspected how often, compared to eligible passenger vehicles?
  1. Every two years, same as passenger vehicles
  2. Every five years
  3. Annually, vs. every two years
  4. Only when first registered

Answer: Annually, vs. every two years

Commercial-registered gasoline vehicles require annual inspection, more frequently than the two-year cycle for eligible passenger vehicles.

Handbook p. 162 ↗
New passenger vehicles less than five model years old are exempt from inspection and issued a new car dealer sticker.
  1. True
  2. False

Answer: True

New passenger vehicles less than five model years old receive a dealer sticker exempting them from inspection until it expires.

Handbook p. 162 ↗
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