What is NJPAIP?
Car Insurance or NJ State Mandated Assigned 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 qualify in general you must have been declined 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 your auto in NJ due to the NJDMV 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 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. Order your NJDMV - NJMVC Direct 5 year drivers abstract here.