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

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.