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In 1972, the State of New Jersey enacted a comprehensive system of automobile statutes to provide that automobile accident victims are reimbursed promptly for their first-party medical expenses and to insure that there are financially responsible sources of insurance to compensate them fully for their third-party liability claims. The three pillars of the system are the Compulsory Insurance Law (which requires minimum limits of liability insurance), the No Fault Act (which requires personal injury protection benefits), and the Uninsured Motorist Act (which requires minimum limits of uninsured and underinsured motorist coverage).

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