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A NJ State mandated high risk auto policy is required for drivers who have been assessed as high-risk drivers. This policy is needed to ensure that drivers who have been deemed high-risk have the appropriate level of coverage to protect themselves and other drivers in the event of an accident. High-risk drivers may include those with a history of moving violations, DUI or DWI convictions, multiple at-fault accidents, or other violations. This policy is designed to provide extra protection for these drivers and ensure that they are able to meet the state’s liability requirements.
The history of the New Jersey Personal Automobile Insurance Plan is closely linked to the history of automobile insurance throughout the United States. The plan was created in 1975, when New Jersey became the first state to implement a no-fault system for auto insurance. This system allowed insured drivers to be compensated for bodily injury claims, regardless of who was found at fault for the accident.
The plan was designed to reduce costs for consumers by limiting the amount of time and money that had to be spent to litigate claims. By eliminating the need to prove fault, the system allowed drivers to obtain compensation more quickly and at lower costs.
Under the plan, all companies offering automobile insurance in New Jersey had to participate in the plan and were required to provide certain benefits to their customers, including medical and rehabilitation payments, wage loss and loss of services payments, and funeral and death benefits. In addition, insured drivers were entitled to receive a maximum of $100,000 in personal injury protection coverage, regardless of fault.
The original plan was implemented in 1975 and subsequently revised and improved several times over the years. In 1985, New Jersey became the first state to require that drivers carry a minimum level of automobile liability insurance. This minimum coverage requirement has since been adopted by many other states.
In 2000, New Jersey enacted reforms that changed the way automobile insurance companies determined premiums. The changes included measures designed to reduce premiums for good drivers, making it easier for them to obtain affordable coverage.
Today, the New Jersey Personal Automobile Insurance Plan is still in place, providing drivers in the state with the benefits and coverage that have been developed over nearly four decades. The plan is designed to ensure that all drivers are adequately protected in the event of an automobile accident, while also providing affordable coverage options for consumers.
A NJPAIP high risk auto policy is needed for individuals who have been deemed a high risk driver due to a history of traffic violations, automobile accidents, or other driving-related infractions. High risk drivers are considered to be more of a liability for insurance companies, so their premiums are typically much higher than those of a standard driver. By purchasing a NJPAIP high risk auto policy, these individuals can ensure that they are able to legally drive on the roads and have the necessary coverage in case of an accident.
We suggest that drivers, where affordable enough, have liability coverage that is no less than 100/300/50. That way, you’ll be able to provide $300,000 worth of injury coverage to all passengers, $100,000 to one individual and $50,000 for damage to property.
People with assets to lose in the event of a lawsuit, such as a house or financial portfolio, should consider a supplemental umbrella insurance policy. Umbrella coverage protects you in any kind of liability situation, whether the accident is in your car or in your home. For $150 to $200 a year in premiums, you can shield yourself with $1 million worth of protection.
Visit the NJ Department of Insurance to learn all about NJ Car Insurance.
If you anticipate acquiring a new, replacement, or additional vehicle, contact your NJPAIP producer/agent/broker or company prior to taking possession. It is necessary to determine what coverage will be extended and what coverage will have to be added to your existing policy. If the new vehicle is financed, also check with the lender for their insurance requirements. If you are looking for regular or preferred car insurance quotes visit Auto Insurance Offices to compare your best offers.
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