PERSONAL HIGH RISK AUTO INSURANCE NJ.
NJ Car Insurance Required Legal Documents
Completed NEW JERSEY High Risk Auto Insurance Application
Completed NEW JERSEY High Risk Auto Insurance Coverage Selection Form
Supporting Documents/Information (documents vary by company, but most of this will be required.)
Proof of NEW JERSEY residency *
The following information for each driver listed as operators: name, relationship to applicant, date of birth, sex, marital status, and possibly 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 policy Declarations Page 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 to be insured
Odometer reading for each vehicle
Distance of commute to work/school for each vehicle
Membership ID, card, etc., if applying for insurance with a company with membership requirements
Discount Documents (extent varies by company)
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
Membership card for member organization discount
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 process.
All private passenger vehicles are mandated by NJ law to maintain automobile liability insurance, N.J.S.A. 39:6A et seq. Personal auto coverage may be obtained on a voluntary basis or through the New Jersey Personal Automobile Insurance Assigned Risk Plan. Rate Filing Requirement – N.J.A.C. 11:3-16 Eligible Persons Regulation – N.J.A.C. 11:3-34 Standard/Nonstandard Regulation – N.J.A.C. 11:3-19 Underwriting Guidelines – N.J.A.C. 11:3-35