NJ State Official Website.NJ PAIP New Jersey Car Insurance help for high risk drivers or those having problems obtaining NJ Auto insurance coverage in the New Jersey voluntary insurance marketplace at favorable terms.

What is NJPAIP?

New Jersey Car Insurance or NJ State Mandated Assigned Risk auto insurance for qualified applicants.

NJ-PAIP - NJ Insurance| Free quotes and help online. for NJ drivers that cannot obtain coverage elsewhere. The NJ Insurance| Free quotes and help online. in the state of New Jersey provides personal private passenger car insurance coverage. To qualify in General you must have been declined for coverage in the New Jersey voluntary or preferred marketplace. Example: You apply for a policy and are told by the insurer that they will not insure you due to the recent law change effective 01/01/2009 in which an insurance company may refuse or deny anyone coverage due to the "NJ Take All Comers" car insurance law expiring. This ushers in a whole new era of changes in the New Jersey car insurance marketplace. 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, total points and other reasons.

NJ Insurance - No Insurance NJ Auto Quotes to help find coverage that is affordable.

What if I a High Risk Driver?

After you enter the NJ 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 NJ Auto insurance company to issue a policy to you. During your time as a New Jersey assigned risk insurance class driver, it is in your own best interest to keep your auto insurance 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.

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