NJPAIP: NJ Car Insurance Plan for drivers with points and or accidents.
NJ High Risk Auto or New Jersey Car Insurance assigned risk
mechanism for drivers unable to obtain coverage in the New Jersey auto
insurance voluntary market.
NJPAIP was established pursuant to N.J.S.A. 17:29D-1 and implemented by N.J.A.C. 11:3-2.1, NJPAIP is the residual market mechanism for insurance in NJ. Assisting New Jersey residents that have risks not eligible for personal New Jersey car insurance from preferred NJ Insurance Companies.
To find out how many total points that you have for a NJ PAIP New Jersey Car Insurance Quote visit the NJ Motor Vehicle Commission near you or order your NJ Drivers License 5 Year abstract online here and review your NJ Driver License history.
Consumer help with quotes and qualification.
Get NJ car insurance quote help here.
Take an ONLINE Defensive Driving Course and get a reduction in your New Jersey Car Insurance Policy premium.
- Each at fault accident 5
- Failure to verify insurance involved in an automobile accident 2
- For each full year of a court imposed driver's license suspension 3
- Involved in a fatal accident 4
Motor Vehicle Points - Will They Be Assessed Against You?
With certain motor vehicle tickets, if you plead guilty or are convicted
of certain motor vehicle offenses, DMV or the Division of Motor Vehicles
will assess points against your driver's license.
These points can range anywhere from two
(2) points for each offense all the way up to eight (8) points. Some
examples of common point assessments include the following:
Careless Driving (2 points)
Failure to signal (2 points)
Failure to yield to pedestrian in a cross-walk (2 points) Improper passing (4 points)
Improper passing of school bus (5 points)
Improper passing of a frozen dessert truck (5 points) Improper turn (3 points)
Leaving the scene of an accident with personal injuries (8 points)
Racing on a highway (5 points) Reckless Driving (5 points)
Speeding (anywhere from 2 points to 5 points, depending upon your speed)
Tailgating (5 points)
Q.: What are the ramifications of
accumulating motor vehicle points?
A.: First off, losing your driver's privileges. If you accumulate 12 or
more points, the Division of Motor Vehicles will suspend your driving
privileges for at least thirty (30) days if not more.
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
There are generally three (3) ways to
reduce your 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
2) A driver may also receive a two (2) point credit by completing an
authorized defensive driving course; and
3) You can receive a three (3) point credit if you successfully complete
a driver improvement course.
NJ DMV/MVC Points Schedule is below.