Does the driver of a vehicle in the state of New Jersey have to have their own car insurance or can they be covered by a company policy if driving the company's vehicle?

Check with your company to see how they cover you. Usually a company only covers you if your are driving one of their vehicles while you are working. When your are on your own personal time, let's say that you drive the car all the time and it is kept at your home, you will probably need your own insurance as well. Any other drivers that may drive the company car, even if that car is your only means of transportation, are not covered by company insurance. It is always best to check with your company, they may assume that you are insured on your own or may only carry a limited policy on their company vehicles considering how expensive auto insurance is in NJ. Whew!.