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NJ Car Insurance FAQS- What is NJ PAIP?
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NJ Car insurance policies, assigned risk, for drivers with points, . The points may be all moving violations or a combination of NJ Insurance Points and NJ MVC Points. To find out how many points you have call the NJ Motor Vehicle Commission- at 888.486.3339 . Then return back here and click on Car insurance quotes help, click here for assistance. and you will be able to accurately get a NJPAIP Quote. If you know how many points you have go ahead and complete the quote request now.
Weird NJ
NJ
Shopping for NJ Car Insurance? Start now and know your rights.
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Below are some of the most commonly asked questions about auto insurance, and the answers every consumer should have before shopping for a new policy. But remember it is difficult to take advantage of your rights if you wait until the last minute.
- May a NJ Insurance company refuse to sell NJ Car Insurance to me?
No, not as long as you are an "eligible" driver under the law. Eligibility is based primarily on motor vehicle violations, at-fault accidents and lapses in coverage. More than 97 percent of New Jersey drivers are "eligible" drivers. Please note, a small number of companies are exempt from this regulation due to membership requirements or financial condition. If your application is declined, the company must tell you the reason, in writing.
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There are no insurance agents in my neighborhood. Where can I Car insurance NJ?
Call the NJ Department of Banking and Insurance for a list of all companies that sell insurance in New Jersey. Many are "direct writers," who sell insurance over the telephone or by mail.
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Can I be denied insurance because of where I live or my race, sex, or age?
No. Insurance companies are barred by law from refusing to sell auto insurance coverage based on any of these factors.
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An insurance agent refused to tell me about rates. Is this right?
No. Insurance companies and agents must provide general pricing information for your area upon request. If you meet with an agent to get a "quote," or specific pricing for your policy, any agent who sells for multiple companies must give you quotes for each one.
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Will I have to wait several weeks to get an appointment to buy auto insurance coverage?
No. If a company uses appointments, you should be scheduled so that you can get coverage before your current policy expires. Tell the agent your current expiration date, and get an appointment well in advance so your coverage will not lapse. Give yourself time to shop around—you might get a better price. Remember that processing the application will take some time, so don’t wait until the last minute.
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What documents do I have to provide to get NJ Auto insurance?
That can vary, so be sure to ask and make a list of what is needed. You will be asked to provide a copy of your driver’s license and registration certificate for each covered vehicle and you may be asked to supply other information or documents. Companies cannot require you to provide a copy of your driver’s "abstract," or Division of Motor Vehicle record. You may wish to bring one if you do not have time to wait for the company to obtain one. It’s up to you.
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How much time does an insurance company have to approve or reject my application once it is completed?
The company has 5 days from the time it receives a completed application to approve or decline it, and the clock starts running when the company receives the application, not when you put it in the mail. If you buy through an agent, ask how long it will take for the company to receive your application and you will know when to expect an answer.
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Can I do anything to reduce the cost of my NJ Automobile insurance?
Yes. Give yourself enough time to shop around. Prices vary from company to company. At the time of purchase, you will be asked to complete a "coverage selection form." Read the form carefully. You can pay less by taking advantage of cost-saving options available. Buy only the insurance you need. You can help lower the cost of insurance by reporting insurance fraud and spotting aggressive drivers who cause accidents.
How does where I live
in New Jersey affect my premium?
Where you live or, more precisely, where you keep your car at night has a bearing on your chances of having an accident or becoming a victim of theft or vandalism. That's why a vehicle owner in Newark NJ, pays a higher rate than the owner of an identical vehicle in Vineland NJ.
Other factors affecting insurance
territory rates include time and efficiency of police
response and law enforcement, local road and traffic conditions and the
quality of local medical services. Insurers even factor in the litigation
rates in a given area, how many lawsuits are filed, go to trial, are settled
out of court, and for how much money.
Why are rates different
for different cars, even if the cars cost the same?
Vehicles are also grouped into categories according to their chances of being damaged, vandalized or stolen. Insurance companies generally consider the size and type of car as well as the value and the cost of repairs which vary greatly, even on cars that cost about the same amount. Therefore, it is assumed that a new sport utility vehicle is expected to hold up better in an accident than a sleek sports car or a sub-compact car.
That is why you should research insurance coverage before you buy your car. It helps you to understand the actual cost and indicates those vehicles with good safety records. Your NJ insurance company will ultimately reward you with lower premiums for putting safety first.
