Jun 12, 2008 at 12:18
NJPAIP Auto Insurance & Legal Documents need to purchase coverage.
Completed NJPAIP Application
Completed NJPAIP Coverage Selection Form
NJ Auto Insurance Supporting Documents/Information
Proof of residency *
The following information for each driver listed as operators: name, relationship to applicant, date of birth, sex, marital status, and social security number
Copy of Motor Vehicle Reports for all drivers listed as operators**
Copy of driver’s license(s) for each driver in household
Year, make model, body style and vehicle identification number of each vehicle to be insured
Copy of registration for all vehicles in household
Copies of policies for vehicles in household not insured under requested policy
Copies of police reports for all accidents
Copies of moving violation citations
Lien holder/copy of lease(s), if applicable
Copy of current auto policy/insurance card(s) indicating coverage for previous 12 months
Employment information for drivers in household
Odometer reading for each vehicle
Distance of commute to work/school for each vehicle
NJPAIP Auto Insurance Discount Documents
Driver Training or Defensive Driver certificate
Report card or transcript for Good Student discount
Copy window sticker or invoice for anti theft discount
Copy of window sticker or invoice for safety devices
*Proof of residency may include utility bill, copy of lease, affidavit from homeowner, phone bill, mortgage coupon, recent bank statement or voter registration card.
**You are not required to personally supply copies of motor vehicle reports. However, this may expedite the NJPAIP quoting process.
• NJ Agents, brokers and companies must inform you of your coverage options when applying for a new policy, or at any time upon your request if you are already insured. You have the right to know how each choice may affect what you pay and what your benefits would be in the event of an accident. You always have the right to ask about additional options.
• You can shop for NJ Car insurance at any time – not just when your policy is up for renewal, and if you find a better price, you can cancel your old policy and seek a refund of your unused premium payments made.
• You have the right to change your coverage’s and policy limits at any time, even if you are not near your renewal date. If you select options that save you money, you have a right to a refund of your unused premium within 60 days.
There are two common types of auto insurance policies in New Jersey. They are referred to as STANDARD and BASIC. Both offer options as well.
STANDARD POLICY — The NJPAIP Standard Policy provides a number of different coverage options and the opportunity to buy additional protection. The Standard Policy is the type of policy chosen by most New Jersey drivers.
BASIC POLICY — The NJPAIP Basic Policy usually costs significantly less than a Standard Policy, but provides limited benefits. It is not for everyone, but it does provide enough coverage to meet the minimum insurance requirements of New Jersey law. The Basic Policy could be an option for those with few family responsibilities and few assets to protect (including income from a job).