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.
NJ Personal Auto Insurance Planwas 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.
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)
Refusal to submit to a chemical test
Operating a motor vehicle while driving privilege is suspended
Operating a motor vehicle without liability insurance
Misrepresentation of insurance coverage
Obtaining a driver’s license or; registration through deception
Make or use counterfeit plate or plates other than issued
Make, alter or counterfeit driver’s license or registration
Moving against traffic – New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway
Improper passing – New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway
Unlawful use of median strip – New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway
Operating constructor vehicle in excess of 30 mph
Operating motorized bicycle on a restricted highway
More than one person on a motorized bicycle
Failure to yield to pedestrian in crosswalk
Failure to yield to pedestrian in crosswalk
Driving through safety zone
Racing on highway
Improper action or omission on grades and curves
Failure to observe direction of officer
Failure to stop vehicle before crossing sidewalk
Failure to yield to pedestrians or vehicles while entering or leaving highway
Operating a motor vehicle on public or private property to avoid a traffic control signal or sign
Operating a motor vehicle on a sidewalk
Failure to obey direction of officer
Failure to observe traffic signals
Failure to keep right
Improper operating of vehicle on divided highway or divider
Failure to keep right at intersection
Failure to pass right of vehicle proceeding in opposite direction
Improper passing on right or off roadway
Wrong way on a one_way street
Improper passing in no passing zone
Failure to yield to overtaking vehicle
Failure to observe traffic lanes
Failure to yield at intersection
Failure to use proper entrances to limited access highways
Failure to yield to emergency vehicles
Destruction of agricultural or recreational property
Slow speed blocking traffic
Driving in an unsafe manner (points only assessed for the third or subsequent violation(s) within a five year period)
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
Failure to stop for traffic light
Improper turn at traffic light
Failure to stop at flashing red signal
Failure to stop for police whistle
Improper right or left turn
Improper turn from approved turning course
Improper “U” turn
Failure to give proper signal
Improper backing or turning in street
Improper crossing of railroad grade crossing
Improper crossing of bridge
Improper crossing of railroad grade crossing by certain vehicles
Improper passing of school bus
Improper passing of a frozen dessert truck
Leaving the scene of an accident No personal injury
Failure to observe “stop” or “yield” signs
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.