What's NJ-PAIP ?

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

NJ-PAIP - New Jersey Personal Automobile Insurance for NJ drivers that cannot obtain coverage elsewhere. The New Jersey Personal Automobile Insurance 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 many other reasons.