NJ High Risk Auto Insurance Certified Producers

NJPAIP state certified producers and experienced agents for New Jersey Nonstandard Auto Insurance Plan offer help for those needing comprehensive & collision coverage.

NJ PAIP Insurance is the State of NJ High Risk Auto Insurance Plan for drivers with points, DUI’s and or accidents.

Get expert assistance with personal or commercial NJ High Risk Auto insurance plans.
Personal or commercial NJ High Risk Auto insurance plans

NJ Personal Auto Insurance Plan was established pursuant to N.J.S.A. 17:29D-1 and implemented by N.J.A.C. 11:3-2.1, NJ-PAIP is the residual market mechanism for personal non standard auto insurance in NJ.  NJPAIP insurance is available only from NJPAIP Certified Producer Agents that assist New Jersey residents that have risks not eligible for personal New Jersey car insurance from preferred Insurance Companies.

Get your NJPAIP New Jersey High Auto Insurance quote started.
NJPAIP NJ High Risk Auto Insurance Coverage help and free rate quotes.

Find out how much NJPAIP NJ High Risk Auto Insurance coverage will cost by using the NJPAIP Certified Producer Insurance easy quote request form below.

Q: What are the side effects of accumulating motor vehicle points?

A.: First off, losing your driver’s privileges. If you accumulate 12 or more points, the New Jersey Division of Motor Vehicles (NJMVC) will suspend your driving privileges for at least thirty (30) days if not more. This may land you in the NJ PAIP state auto insurance plan.

Q: How can one reduce the amount of points on their driver’s license?

A: Any time you are given a ticket for a motor vehicle offense, simply do not simply do not pay it, consult with an attorney because the penalties and points involved in a guilty plea and/or finding of a guilty plea could have a negative as well as financial impact on your driver’s privileges.

There are generally three (3) ways to reduce your NJ motor vehicle points: 1) Based upon the mere passage of time. For every year that a driver can go without receiving a new violation, you will receive a three (3) point credit; 2) A NJ driver may also receive a two (2) point credit by completing an authorized defensive driving course; and 3) You may receive a three (3) point credit if you successfully complete a driver improvement course.

NJ DMV/MVC Points Schedule is below.

NJ 39:4 50
Operating a motor vehicle under the influence of alcohol or drugs (DUI)
9
39:4 50.4
Refusal to submit to a chemical test
9
2C:11 2
Vehicular homicide
9
39:3 40
Operating a motor vehicle while driving privilege is suspended
9
39:6B 2
Operating a motor vehicle without liability insurance
9
39:6A 15
Misrepresentation of insurance coverage
9
39:3 37
Obtaining a driver’s license or; registration through deception
5
39:3 38
Make or use counterfeit plate or plates other than issued
5
39:3 38.1
Make, alter or counterfeit driver’s license or registration
5
N.J.S.A.
Offense
Points
27:23-29
Moving against traffic – New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway
2
27:23-29
Improper passing – New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway
4
27:23-29
Unlawful use of median strip – New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway
2
39:3-20
Operating constructor vehicle in excess of 30 mph
3
39:4-14.3
Operating motorized bicycle on a restricted highway
2
39:4-14.3d
More than one person on a motorized bicycle
2
39:4-35
Failure to yield to pedestrian in crosswalk
2
39:4-36
Failure to yield to pedestrian in crosswalk
2
39:4-41
Driving through safety zone
2
39:4-52 39:5C-1
Racing on highway
5
39:4-55
Improper action or omission on grades and curves
2
39:4-57
Failure to observe direction of officer
2
39:4-66
Failure to stop vehicle before crossing sidewalk
2
39:4-66.1
Failure to yield to pedestrians or vehicles while entering or leaving highway
2
39:4-66.2
Operating a motor vehicle on public or private property to avoid a traffic control signal or sign
2
39:4-71
Operating a motor vehicle on a sidewalk
2
39:4-80
Failure to obey direction of officer
2
39:4-81
Failure to observe traffic signals
2
39:4-82
Failure to keep right
2
39:4-82.1
Improper operating of vehicle on divided highway or divider
2
39:4-83
Failure to keep right at intersection
2
39:4-84
Failure to pass right of vehicle proceeding in opposite direction
5
39:4-85
Improper passing on right or off roadway
4
39:4-85.1
Wrong way on a one_way street
2
39:4-86
Improper passing in no passing zone
4
39:4-87
Failure to yield to overtaking vehicle
2
39:4-88
Failure to observe traffic lanes
2
39:4-89
Tailgating
5
39:4-90.
Failure to yield at intersection
2
39:4-90.1
Failure to use proper entrances to limited access highways
2
39:4-91 39:4-92
Failure to yield to emergency vehicles
2
39:4-96
Reckless driving
5
39:4-97
Careless driving
2
39:4-97a
Destruction of agricultural or recreational property
2
39:4-97.1
Slow speed blocking traffic
2
39:4-97.2
Driving in an unsafe manner (points only assessed for the third or subsequent violation(s) within a five year period)
4
39:4-98 39:4_99
Exceeding maximum speed 1_14 mph over limit
Exceeding maximum speed 15_29 mph over limit
Exceeding maximum speed 30 mph or more over limit
2
4
5
39:4_105
Failure to stop for traffic light
2
39:4_115 39.
Improper turn at traffic light
3
39:4_119
Failure to stop at flashing red signal
2
39:4_122
Failure to stop for police whistle
2
39:4_123
Improper right or left turn
3
39:4_124
Improper turn from approved turning course
3
39:4_125
Improper “U” turn
3
39:4_126
Failure to give proper signal
2
39:4_127
Improper backing or turning in street
2
39:4_127.1
Improper crossing of railroad grade crossing
2
9:4_127.2
Improper crossing of bridge
2
39:4_128
Improper crossing of railroad grade crossing by certain vehicles
2
39:4_128.1
Improper passing of school bus
5
39:4_128.4
Improper passing of a frozen dessert truck
4
39:4_129
Leaving the scene of an accident No personal injury
Personal injury
2
8
39:4_144
Failure to observe “stop” or “yield” signs
2
39:5D_4 54.
Moving violation Out_of_State SAME OR EQUAL

Or if you don’t have all of your information, go ahead and complete the quick request form anyway.

If NJPAIP Insurance is too expensive, the NJ-PAIP Certified Producers usually have access to other non standard car insurance companies.