New Jersey High Risk Car Insurance Consumer Help Online. NJPAIP & Other Options
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- Personal assigned risk insurance – Personal Auto or Car insurance, HO-3 Coastal homes, coastal homes flood insurance, Mobile Homes, Recreational Vehicles (Boats, Jet Skis, ATVs), Vacant Properties, Inner City Dwellings, Personal Umbrella Policies and many more.
- Commercial assigned risk insurance – General Contractors, Vacant Commercial/Industrial Properties, Habitational, Professional Liability, Liquor Liability, Bars/Restaurants, Commercial Property, Local Trucking, Busing, Intermediate Trucking, Long Haul Trucking, Taxis & Transportation, Roofing-Roofer, Excess Liability, Errors & Omissions, Medical Malpractice and many more.
NJPAIP Car Insurance Points POINTS ACCUMULATED PERIOD OF SUSPENSION
12 to 15 points in a period of two years or less; 30 days
31 to 35 points in a period greater than two years; 150 days
36 or more points in a period greater than two years; not
(b) For good cause shown, the Director may in his discretion
All private passenger vehicles are mandated by NJ law to maintain automobile liability insurance, N.J.S.A. 39:6A et seq. Personal auto coverage may be obtained on a voluntary basis or through the New Jersey Personal Automobile Insurance Assigned Risk Plan. Rate Filing Requirement – N.J.A.C. 11:3-16 Eligible Persons Regulation – N.J.A.C. 11:3-34 Standard/Nonstandard Regulation – N.J.A.C. 11:3-19 Underwriting Guidelines – N.J.A.C. 11:3-35