NJPAIP Consumer Help

NJ High Risk Auto Insurance

What is NJPAIP?

NJ PAIP Car Insurance or NJ state mandated assigned high risk auto insurance for qualified applicants. The plan offers NJ drivers another option when they cannot obtain coverage elsewhere in the state of New Jersey. Assigned Companies provide personal private passenger car insurance coverage. To see if you qualify in general you must have a quote from a NJPAIP Certified Producer, as they are the only ones that may offer this state coverage.

Example: You apply for a policy and are told by the insurer that they will not insure you nor your auto due to NJMVC points or NJ insurance points (accidents, A DUI, driving suspended or without insurance or other entries) of which an insurance company may refuse or deny anyone coverage. Prior law would require companies writing policies to take any person that applied for coverage unless they had too many points, or were cancelled MID-Term for non payment of premium. With the Take All Comers law expiring, you may be refused for many different reasons such as; credit score, education level, town of residence, zip code, buying auto policy only, total points and several other reasons.

What if I am considered a NJ High Risk Driver? Get a Free Consumer Quote (856) 352-2349.

After you enter the New Jersey assigned risk auto pool, the insurance company assigned to you must typically keep you for three years, or until you are no longer qualified. At the end of that period, your company has the choice of keeping you as a customer or not renewing your policy. Even if the insurance company cancels your policy after you have kept your driving record clean and sent in premium payments on time, you should be able to find a preferred car insurance company to issue a policy for you. During your time as a New Jersey assigned risk insurance class driver, it is in your own best interest to keep your car insurance policy in force. This will be important when you try to obtain a policy once your are no longer a high risk. As time goes by without any driving accidents or violations, your odds of getting insurance on the NJ voluntary market become greater. Our certified NJPAIP producers may be able to help you secure other coverage.

Buying your policy: Your NJ-PAIP Certified Insurance Producer will need copies of certain documents; NJ Drivers License, NJ Registration, Proof of NJDMV/NJMVC/Insurance Points, and names of any NJ Insurance companies that have declined you coverage. The NJPAIP Certified producer will have to prove that all drivers in your household are insured somewhere.

How much auto insurance coverage do I need?

How much auto insurance coverage you need depends on a variety of different factors. In order to make an informed decision, you need to consider the various risks that you, your passengers, and your auto are likely to face. You also need to consider the amount of assets you have to protect. Uninsured motorist bodily injury coverage pays for medical expenses, lost wages, and other general damages when auto insurance policyholders, authorized drivers, or passengers are injured in an accident caused by a driver who has no insurance in NJ.

What is Collision Coverage?

This coverage helps pay for auto repair or replacement costs if your car rolls over or if your car hits another vehicle or object. When you buy your auto insurance policy, you will be asked to set your deductible for collision coverage. For example, if you set your deductible at $1,000, this decreases your auto insurance premium payments, but you will be required to pay for any damages up to $1,000 should your car need to be repaired or replaced.

What is Comprehensive Coverage?

Comprehensive coverage is an important part of your auto insurance policy. Comprehensive coverage helps pay for damage resulting from falling objects, fire, certain natural disasters, and vandalism. Comprehensive coverage also generally covers theft.

NJPAIP.Org Directory of State Certified Producers Available for assigned high risk insurance consumer assistance. DEDICATED ONLINE RESOURCE FOR NJ CAR INSURANCE CONSUMERS THAT HAVE BEEN DECLINED OR UNABLE TO OBTAIN COVERAGE IN THE VOLUNTARY MARKETPLACE IN NEW JERSEY. THIS SITE IS NOT AUTHORIZED BY, AFFILIATED WITH, NOR IN ANY WAY RELATED T0 AIPSO ANY STATE INSURANCE AUTHORITY,NOR ANY STATE APPROVED ASSIGNED RISK AUTOMOBILE INSURANCE PLAN. BY DESIGN THE ACTUAL PLAN ITSELF DOES NOT BIND POLICIES, INSTEAD NJPAIP CERTIFIED PRODUCERS UNDERWRITE APPLICANTS FOR QUALIFICATION. POLICIES ARE USUALLY BOUND IMMEDIATELY AND PROCESSED SUBJECT TO NORMAL UNDERWRITING PROCEDURES AS SET FORTH BY THE NJPAIP PLAN MANUAL. PERSONAL NJ AUTOMOBILE AND NJ CAR INSURANCE-PAIP-CAIP-LIMITED ASSIGNMENT DISTRIBUTION INSURANCE COMPANIES IN NEW JERSEY (LADS) SERVICING ONLY NJ HIGH RISK DRIVERS. ONLY A NJ-PAIP OR NJ CAIP CERTIFIED PRODUCERS MAY BIND COVERAGE FOR YOU. ALL EFFORT MUST BE MADE TO KEEP YOU OUT OF THE NJ STATE AUTOMOBILE INSURANCE PLANS, INCLUDING, BUT NOT LIMITED TOO TRYING TO PLACE COVERAGE ELSEWHERE.