NJPAIP: NJ Car Insurance Plan for drivers with points and or accidents.
NJ High Risk Auto or New Jersey Car Insurance assigned risk mechanism for drivers unable to obtain coverage in the New Jersey auto insurance voluntary market.
NJPAIP was established pursuant to N.J.S.A. 17:29D-1 and implemented by N.J.A.C. 11:3-2.1, NJPAIP is the residual market mechanism for insurance in NJ. Assisting New Jersey residents that have risks not eligible for personal New Jersey car insurance from preferred NJ Insurance Companies.
To find out how many total points that you have for a NJ PAIP New Jersey Car Insurance Quote visit the NJ Motor Vehicle Commission near you or order your NJ Drivers License 5 Year abstract online here and review your NJ Driver License history.
Consumer help with quotes and qualification. 
Get NJ car insurance quote help here.Take an ONLINE Defensive Driving Course and get a reduction in your New Jersey Car Insurance Policy premium.
(N.J.S.A. 39:5-30.9).
The NJPAIP NJ Car Insurance eligibility points you may have may be all moving violations or a combination of NJ Insurance Points and NJ DMV - NJ MVC Points combined. They are added together for your total NJ PAIP eligibility points. For example, an at fault accident is 5 NJ insurance points for 3 years. Add that with a DUI, refusal to take a breathalyzer test, driving suspended or driving without auto insurance in New Jersey, which are 9 NJ insurance points for 3 years from the conviction date in court and you have 14 insurance points that will be added to your moving violations points to determine your total points for your NJ insurance quote.
NEW JERSEY INSURANCE LAW.
All private passenger vehicles are mandated by NJ state law to maintain automobile liability insurance, N.J.S.A. 39:6A et seq.
Personal auto coverage may be obtained on a NJ Car Insurance voluntary basis or through the New Jersey Personal Automobile Insurance Assigned Risk Plan. (NJPAIP)
Rate Filing Requirement - N.J.A.C. 11:3-16
Eligible Persons Regulation N.J.A.C. 11:3-34
Standard/Nonstandard Regulation N.J.A.C. 11:3-19
Underwriting Guidelines N.J.A.C. 11:3-35
How does Where I live in New Jersey affect my premium?
Where you live and which NJ county, more precisely, where you keep your car at night has a bearing on your chances of having an accident or becoming a victim of theft or vandalism. That is why a vehicle owner in Jersey City NJ, pays a higher rate on their NJ insurance policy than the owner of an identical vehicle in Cherry Hill NJ.
Other factors affecting insurance rates include time and efficiency of police response and law enforcement, local road and traffic conditions and the quality of local medical services. Insurers even factor in the litigation rates in a given area, how many lawsuits are filed, go to trial, are settled out of court, and for how much money.
Vehicles are also grouped into categories according to their chances of being damaged, vandalized or stolen. Insurance companies generally consider the size and type of car as well as the value and the cost of repairs which vary greatly, even on cars that cost about the same amount. Therefore, it is assumed that a new sport utility vehicle is expected to hold up better in an accident than a sleek sports car or a sub-compact car. That is why you should research car insurance coverage before you buy your vehicle. It helps you to understand the actual cost and indicates those vehicles with good safety records. Your NJ insurance company will ultimately reward you with lower premiums for putting safety first.
What is no-fault insurance?
No-fault insurance is a system adopted in some states that essentially bypasses the conventional legal procedure which finds fault in an accident. This is the procedure by which you hire a attorney, file suit and possibly go to court to prove the accident was the other guy's fault. No-fault simply does away with the concept of one party or the other being at fault--no lawyers, no court, no judge, no jury, no lengthy lawsuits against the other party.
This is considered beneficial to all taxpayers, because it eliminates costly legal proceedings that the state must manage, and to insurance policyholders, because it helps keep rates down.
Threshold--The type of damage or injury or the cost of repair or recovery that triggers the need for legal action.
Mandated--Benefit Level The package of benefits (medical, wage loss, replacement services and other expenses) your state requires you to carry.
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What steps can I take to reduce my NJ car insurance rates?
Auto Insurance companies in New Jersey often discount their rates in order to encourage good driving practices and the use of safety and security precautions. Depending on the insurance company, you can often lower your rates from 5 to 55 percent.
Sometimes the investment you make in your vehicle is worth the discount, and sometimes it's simply worth some peace of mind.
For example, the purchase of anti-lock brakes merits a discount from nearly every insurer, but the discount probably will not pay for the brakes which cost several hundred dollars during the normal life of your vehicle. Anti-lock brakes are touted, nonetheless, as a life-saving feature and deserves serious consideration when safety is a top priority.
Getting yourself out of the NJ PAIP NJ high or NJ assigned risk driver pool category is going to take a little time. You may need to consider the following, cleaning up a bad driving record and paying your bills on time. Some factors will just fade with time.
Typically a New Jersey insurance company may rate a driver with no points for three years as a good or preferred risk. But there are a few things you can do to cut high risk auto insurance costs now! Consider driving an older car and dropping collision and comprehensive coverage's. if you can accept the risk, carry lower amounts of other standard coverage's.
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This is a consumer assistance web site designed to help the average NJ Insurance consumer become more educated on their insurance policies as well as insurance needs. This is not intended as legal advice.
