Documents required to purchase.


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