NJ Car insurance for drivers with 7+ points or more , or if you have been cancelled mid-term for not paying a premium due.  The points may be all moving violations or a combination of NJ Insurance Points and NJ MVC Points, they are added together for your total NJPAIP eligibility points. To find out how many points you have call or click the NJ Motor Vehicle Commission-NJMVSC Web Site or phone ( 888-486-3339) or (609) 292-7500  Then return back here and click on NJPAIP INSURANCE QUOTE HELP HERE and you will be able to accurately get a NJ-PAIP Quote. If you know how many points you have or were canceled mid term for non payment- you will need the non payment cancellation letter, go ahead and complete the quote request now.

So you have been told by your present insurance company that you need a NJ-PAIP NJ Car insurance high risk policy due to your accumulation of moving violation point and or at fault accident points or a combination of both, you may purchase it, the policy costs a more than a preferred auto policy and one of the NJ Car insurance companies called LADS binding coverage in New Jersey will be assigned your policy, neither you nor the insurance company may choose. The applications are Assigned to an insurance company so that they share the high risk drivers somewhat evenly. NJPAIP Personal NJCAIP Commercial Medicad and NJUZAR- Rates are set and approved by the state of New Jersey department of banking and insurance, so no shopping around needed. In plain language it is not necessary to call around five or six places shopping for the best deal, the rates are just what they are..

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How long will you be in the NJ Car insurance Assigned Risk Driver Plan?

After you enter a NJ car insurance Assigned-Risk Car Insurance Plan for points, the NJ car insurance company assigned to issue a policy and insure you must keep you for usually three years.  At the end of that period, your NJ Car Insurance 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 an voluntary NJ Car insurance company to issue a policy to you.  During your three years as a NJ assigned-risk insurance class driver, it is in your own best interest to keep your NJ-PAIP Car Insurance policy paid to date and current.  As time passes without any driving accidents or violations, your odds of getting insurance on the voluntary market become greater and your NJPAIP Certified Producer will help you all along the way!

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