When a driver who lives outside of New Jersey happens to be operating her motor vehicle within the State of New Jersey and is involved in an accident, she will be subject to the “Deemer Statute”. That can be found at N.J.S.A. 17:28-1.4.
However, this can also cut against the out of state driver. All out of state insurance policies are deemed to contain the “limitation on lawsuit” option for accidents occurring in New Jersey, even if the out of state policy provides full coverage regardless of fault. This can mean that the out of state driver may not be able to recover damages resulting from the accident, unless she satisfies the lawsuit threshold (see http://www.middlesexcountyaccidentlawyer.com/2013/04/).