New Jersey drivers that have been issued a non renewal notice or cancellation notice have options. Consumer help is here.
Use our NJ PAIP Certified Producer quick help request form below to explore your options for obtaining a policy that you could afford. We will discuss your needs and budget and exhaust all options available to help you drive insured. A basic policy is available with minimum coverage and a standard policy is also available to satisfy greater coverage needs.
If you have several moving violations or too many accidents that are considered your fault most insurance companies will not want to issue you a policy. The state has a backup plan of auto insurance for you to try and qualify for. The rates are set by the state and regulated so you won’t have to shop around to get the best NJ PAIP state auto insurance plan quote.
Our NJ PAIP State Certified Producers have decades of experience helping people in your current situation and will be glad to do the same for you.
What makes a driver a NJ high risk driver?
More factors decide “who is?” a high risk driver than you may know. Here are the major ones:
Your Household Driving record/s. Everyone knows that at-fault accidents will raise your car insurance rates, but tickets and not-at-fault accidents may also. Why is that? For every speeding ticket you get, your chances of being involved in a traffic accident rise by 85-100%, and being involved in multiple car accidents, (even if you are not at fault) may indicate a pattern of careless or reckless driving.
Your own personal profile. This probably doesn’t surprise you, either. And there’s not much you can do about it. Insurance companies will always consider a male a greater risk than a female, teens greater than mature adults, and North Jersey city dwellers costs more to insure than more rural South Jersey dwellers.
Do you have the magical Proof of Continuous coverage? Whether or not you carried auto insurance coverage continuously over the past several years will affect your ability to get a voluntary insurance policy now. That’s because the insurance industry assumes is that you’ve either been driving without coverage (that is real bad!!) or had your policy canceled by the previous insurance company (not too good either!!).
You & Your Spouse’s Credit. It may not seem fair, but your credit is a factor that increasingly influences other areas of your life, including automobile, homeowners, and life insurance. Stats show that drivers with a poor/bad credit file more auto insurance claims, and so insurance companies use this information to classify us into classifications including high risk drivers.
You may lower your insurance rates by requesting higher deductibles, which is the amount of money you pay out of pocket before you make a claim. Increasing your deductibles on collision and comprehensive coverage from $500 to $750, or even $1,000, will bring your rates down. Moreover, you may not need collision and comprehensive coverage if you drive an older car. Ask your NJPAIP producer which discounts may be available to you.
Insurance companies or their producers or representatives shall not be held liable for your choice of lawsuit option (Limited Right to Sue or Unlimited Right to Sue) or for your choices regarding amounts and types of coverage. You cannot sue an insurance company or its producers or representatives if the Limited Right to Sue option is imposed by law because no choice was made on the coverage selection form. Insurers and their producers or representatives can lose this limitation on liability for failing to act in accordance with the law. See N.J.S.A. 17:28-1.9 for more information.