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.
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Take an ONLINE Defensive Driving Course and get a reduction in your New Jersey Car Insurance Policy premium.
(N.J.S.A. 39:5-30.9).

Insurance points.

- 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


Traffic Tickets
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 driver's privileges.
 

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 credit;
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.

NJ 39:4 50 Operating a motor vehicle under the influence of alcohol or drugs 9 39:4 50.4 Refusal to submit to a chemical test 9 2C:11 2 Vehicular homicide 9 39:3 40 Operating a motor vehicle while driving privilege is suspended 9 39:6B 2 Operating a motor vehicle without liability insurance 9 39:6A 15 Misrepresentation of insurance coverage 9 39:3 37 Obtaining a driver's license or; registration through deception 5 39:3 38 Make or use counterfeit plate or plates other than issued 5 39:3 38.1 Make, alter or counterfeit driver's license or registration 5 N.J.S.A. Offense Points 27:23-29 Moving against traffic - New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway 2 27:23-29 Improper passing - New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway 4 27:23-29 Unlawful use of median strip - New Jersey Turnpike, Garden State Parkway, and Atlantic City Expressway 2 39:3-20 Operating constructor vehicle in excess of 30 mph 3 39:4-14.3 Operating motorized bicycle on a restricted highway 2 39:4-14.3d More than one person on a motorized bicycle 2 39:4-35 Failure to yield to pedestrian in crosswalk 2 39:4-36 Failure to yield to pedestrian in crosswalk 2 39:4-41 Driving through safety zone 2 39:4-52 39:5C-1 Racing on highway 5 39:4-55 Improper action or omission on grades and curves 2 39:4-57 Failure to observe direction of officer 2 39:4-66 Failure to stop vehicle before crossing sidewalk 2 39:4-66.1 Failure to yield to pedestrians or vehicles while entering or leaving highway 2 39:4-66.2 Operating a motor vehicle on public or private property to avoid a traffic control signal or sign 2 39:4-71 Operating a motor vehicle on a sidewalk 2 39:4-80 Failure to obey direction of officer 2 39:4-81 Failure to observe traffic signals 2 39:4-82 Failure to keep right 2 39:4-82.1 Improper operating of vehicle on divided highway or divider 2 39:4-83 Failure to keep right at intersection 2 39:4-84 Failure to pass right of vehicle proceeding in opposite direction 5 39:4-85 Improper passing on right or off roadway 4 39:4-85.1 Wrong way on a one_way street 2 39:4-86 Improper passing in no passing zone 4 39:4-87 Failure to yield to overtaking vehicle 2 39:4-88 Failure to observe traffic lanes 2 39:4-89 Tailgating 5 39:4-90. Failure to yield at intersection 2 39:4-90.1 Failure to use proper entrances to limited access highways 2 39:4-91 39:4-92 Failure to yield to emergency vehicles 2 39:4-96 Reckless driving 5 39:4-97 Careless driving 2 39:4-97a Destruction of agricultural or recreational property 2 39:4-97.1 Slow speed blocking traffic 2 39:4-97.2 Driving in an unsafe manner (points only assessed for the third or subsequent violation(s) within a five year period) 4 39:4-98 39:4_99 Exceeding maximum speed 1_14 mph over limit Exceeding maximum speed 15_29 mph over limit Exceeding maximum speed 30 mph or more over limit 2 4 5 39:4_105 Failure to stop for traffic light 2 39:4_115 39. Improper turn at traffic light 3 39:4_119 Failure to stop at flashing red signal 2 39:4_122 Failure to stop for police whistle 2 39:4_123 Improper right or left turn 3 39:4_124 Improper turn from approved turning course 3 39:4_125 Improper "U" turn 3 39:4_126 Failure to give proper signal 2 39:4_127 Improper backing or turning in street 2 39:4_127.1 Improper crossing of railroad grade crossing 2 9:4_127.2 Improper crossing of bridge 2 39:4_128 Improper crossing of railroad grade crossing by certain vehicles 2 39:4_128.1 Improper passing of school bus 5 39:4_128.4 Improper passing of a frozen dessert truck 4 39:4_129 Leaving the scene of an accident No personal injury Personal injury 2 8 39:4_144 Failure to observe "stop" or "yield" signs 2 39:5D_4 54. Moving violation Out_of_State