When a business has trouble finding commercial auto insurance from readily available companies, we may be able to obtain coverage to help stay insured.
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What is NJCAIP – NJ Commercial Auto Insurance Plan?
NJCAIP is the state of New Jersey mechanism for eligible Commercially Registered Vehicles in the state of New Jersey that are not insurable immediately in the NJ Voluntary or NJ Preferred Commercial Auto Insurance Markets. Established January 1, 1984 under N.J.S.A. 17:29D-1 and implemented by N.J.A.C. 11:3-1.2, to provide coverage for a commercial automobile risks that are unable to obtain coverage in the NJ commercial auto insurance voluntary market.
Commercial or business auto insurance covers a large variety of business types and vehicles from extra heavy tractor trailers to the single vehicle handyman. When getting quotes it will be easier if you have license numbers and vehicle registrations or VIN’S along with prior company loss history to make quoting easier & accurate.
If you have been refused commercial auto insurance for your business compare rates from the NJ state assigned risk plan known as the New Jersey Commercial Auto Insurance Plan NJCAIP.
Many companies require that you have current dated drivers history reports that shows all moving violations and usually list accidents. The report does not usually show what party was at fault in any of the accidents, that is why it is important to have your loss runs or loss history reports for 3-5 years if possible.
Below is an example and annual cost of NJCAIP – NJ Truck Insurance for one semi truck with federal filings $14,132 for one truck.
Some quotes may be able to bind immediately, while some make take a couple of days. In the worst case scenario the NJCAIP policies may have a 17 day waiting period before coverage may become active.
Discuss this and any other questions with your NJCAIP Certified Producer, agent, broker or company to make sure that you do not have any problems.