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The State of New Jersey adopted a comprehensive system of automobile insurance statutes in 1972 to provide that “persons injured in motor vehicle accidents are compensated promptly” and to insure that there are “financially responsible” persons available to meet those claims. Craig & Pomeroy, New Jersey Auto Insurance Law, Gann. The triple pillars of the system are the Compulsory Insurance Law (which requires liability insurance), the No Fault Act (which requires personal injury protection benefits), and the Uninsured Motorist Act (which requires uninsured and underinsured motorist coverage).

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