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NJ Car Insurance Help - NJ High Risk Auto Insurance Plan (NJPAIP)
NJ Car Insurance Help - NJ High Risk Auto Insurance Plan (NJPAIP)

NJPAIP Car insurance NJ for drivers with 7+ points or more , . The points may be all moving violations or a combination of NJ Insurance Points and NJ MVC Points, they are added together for your total NJPAIP eligibility points. To find out how many points you have visit the NJ Motor Vehicle Commission nearest you or order online NJ DMV - New Jersey Motor Vehicle Abstract request Form or phone (888-486-3339 Fee) or (609- 292-7500 FREE)

Then return back here and click on NJPAIP Car insurance quotes help, click here for assistance. and you will be able to accurately get a NJ PAIP Quote. If you know how many points you have or were cancelled mid term for non payment go ahead and complete the quote request now. ( you will need the non payment cancellation letter )when meeting with a NJPAIP certified producer for car insurance.

A NJPAIP auto insurance policy costs more than a New Jersey automobile insurance policy for preferred drivers. One of the NJ Car insurance companies binding coverage in New Jersey will be assigned your policy, neither you nor the insurance company may choose. The applications are assigned to an insurance company so that they share the high risk drivers somewhat evenly. NJPAIP Personal NJCAIP Commercial and NJUZAR- Rates are set and approved by the state of New Jersey Department of Banking and Insurance, and are administered by a national non profit organization.

That means you will not have to spend time shopping around like in the preferred market. The rates for high risk automobile insurance in New Jersey will depend on your driving record, your vehicle, and where you reside in NJ.

NJ Car Insurance Help - NJ High Risk Auto Insurance Plan (NJPAIP)
NJ Car Insurance Help - NJ High Risk Auto Insurance Plan (NJPAIP)

NPAIP.COM's Directory of NJ Counties where free quotes and njpaip, njcaip coverage is available. Licensed NJ PAIP Producers serving these NJ counties:
Atlantic County
Bergen County Burlington County Camden County Cape May CountyCumberland County Essex County Gloucester County Hudson County Hunterdon County Mercer County Middlesex CountyMonmouth CountyMorris County Ocean County Passaic CountySalem County Somerset CountySussex County Union CountyWarren County

What are motor vehicle points?
Motor Vehicle Commission (MVC) tracks your driving behavior by adding points to your record when you are convicted of a moving violation. The more serious the violation, the more points you are assessed. The schedule below shows a list of violations and their point values. MVC points are completely separate from the insurance eligibility points used by NJ Department of Insurance to assess surcharges on insurance payments.

Will I receive a notice telling me how many points I have?
During the first two years that you are licensed, you're on probation and will receive an advisory notice when you commit your first point violation. If you receive two or more violations totaling four or more points, you must complete the Probationary Driver Program. After that, MVC will send advisory notices whenever points assessed violations are added to your driving record and the point total is 6 to 11.

At what point level will MVC take action to suspend my license?
For a total of 12 or more points on your driving record, MVC will issue a notice of scheduled suspension of your driving privilege.

How can points be removed from my current MVC driver status?
Up to three points will be subtracted from your point total for every year of safe driving (no violations or suspensions). But your point total will never be reduced below zero.

Points are subtracted one year after:

  • your last point violation; or

  • your license was restored; or

  • the last time annual safe driving points were subtracted from your record (whichever is later); or

  • after you complete an MVC driver improvement program, offered to problem drivers selected by MVC. Credit is given for a maximum of one program every two years.

Up to two points may be subtracted from your total after you complete an MVC approved defensive driving course. Credit is given for one program every five years.

NOTE: None of these reductions apply to insurance surcharge point totals.

39:4-49.1 Operation of a motor vehicle while in possession of controlled
dangerous substance-
Fine and 2 years suspension of driver's license $50
Plus DMV points; plus additional car insurance eligibility points.

39:4-50 Operating under the influence- DWI
(See chart at NJ PAIP Driving Suspended)
Plus DMV points; plus additional car insurance eligibility points.

39:4-50.2 Refusal to undergo breathalyzer test-
(See chart at www.njlaws.com)

39:4-50.14 Operation of motor vehicle by person whose blood alcohol is
between .01% and .10% and is under the legal age to purchase alcoholic
beverages-
Loss of license for not less than 30 days nor more than 90 days and
perform community service for not less than 15 days nor more than 30
days. In addition, must satisfy program and fee requirements of the IDRC
or participate in a program of alcohol education and highway safety.
Penalties shall be in addition to the penalties which the court may
impose under N.J.S.A. 2C:33-15, N.J.S.A. 33:1-81, N.J.S.A. 39:4-50, or
any other law. See DWI fines and penalties at www.njlaws.com.

39:4-51a Consumption of alcoholic beverage by operator or passenger-
First offense: $200
Second or subsequent offense: Fine $250 or 10 days community service

39:4-51b Possession of open container of alcohol in passenger
compartment-
First offense: $200
Subsequent offense: Fine $250 or 10 days community service

39 :4-52 Racing on highway-
First offense $25-$100
5 DMV points, 5 car insurance points

39:4-66.2 Operation of motor vehicle on public or private property to
avoid traffic signal-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and violation stays on DMV abstract forever and 2
additional car insurance points and increase in car insurance, usually
for three years.

39:4-81 Failure to obey traffic control device-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points, usually for three
years.

39:4-82 Failure to keep right-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points, usually for three
years.

39:4-82.1 Failure to drive on right-hand roadway-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points, usually for three
years.

39:4-83 Failure to keep to right at intersection-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points, usually for three
years.

39:4-84 Failure to pass to right when proceeding in opposite direction-
Fine or imprisonment not exceeding 15 days, or both $50-$200
5 DMV points and 5 additional car insurance points. Also,
Judge/Magistrate can suspend driver's license.

39:4-85 Failure to pass to left when overtaking-
Fine or imprisonment not exceeding 15 days, or both $50-$200
4 DMV points and 4 additional car insurance points. Also,
Judge/Magistrate an suspend Driver's license.

39:4-85.1 Wrong way on one-way street-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points, usually for three
years.

39:4-86 Failure to overtake and pass properly-
Fine or imprisonment not exceeding 15 days, or both $50-$200
4 DMV points and 4 additional car insurance points.

39:4-87 Failure to give overtaking vehicle right of way-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points.

39:4-88 Failure to drive properly in marked lanes-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points.

39:4-89 Following vehicle too closely-
Fine or imprisonment not exceeding 15 days, or both $50-$200
5 DMV points and 5 additional car insurance points. Also,
Judge/Magistrate can suspend driver's license.

39:4-90 Failure to yield right of way at intersection-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points.

39:4-90.1 Entering or leaving limited access highways improperly-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points.

39:4-91 Failure to yield right of way to emergency vehicles-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points.

39:4-92 Failure to pull over for emergency vehicles and following an
emergency vehicle too closely-
Fine or imprisonment not exceeding 15 days, or both $50-$200

39:4-96 Reckless driving-
First offense: Fine or imprisonment not exceeding 60 days, or both
$50-$200
Second or subsequent offense: Fine or imprisonment not exceeding 3
months, or both $100-$500
5 DMV points and 5 additional car insurance points. Also,
Judge/Magistrate can suspend driver's license.

39:4-97 Careless driving-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points.

39:4-97a Motor vehicle operation causing property damage-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points.

39:4-97.1 Slow speed as to block traffic-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points.

39:4-97.2 Operating a motor vehicle in an unsafe manner, endangering
persons or property-
First offense: $50-$150
Second offense: $100-$250
Third or subsequent offense: $200-$500 and 4 points

39:4-98 Speeding-
Fine or imprisonment not exceeding 15 days, or both $50-$200, double
fine on certain highways
1-14 mph over limit: 2 points,
15-29 mph over limit: 4 points,
30 or more mph over limit: 5 points
Judge/Magistrate can suspend driver's license for speeding.
Also, in 65 mph zone, fines are doubled

39:4-115 Failure to make proper turn-
Fine or imprisonment not exceeding 15 days, or both $50-$200
3 DMV points and 3 additional car insurance points.

39:4-119 Failure to observe flashing traffic signals-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points.

39:4-122 Failure to obey whistle of police officer-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points.

39:4-123 Failure to make proper turn-
Fine or imprisonment not exceeding 15 days, or both $50-$200
3 DMV points and 3 additional car insurance points.

39:4-124 Failure to turn as indicated by buttons or markers at
intersection-
Fine or imprisonment not exceeding 15 days, or both $50-$200
3 DMV points and 3 additional car insurance points.

39:4-125 U-Turn on curve or grade where view obstructed or "No-U-Turn"
sign-
Fine or imprisonment not exceeding 15 days, or both $50-$200
3 DMV points and 3 additional car insurance points.

39:4-126 Failure to signal before starting, turning or stopping-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 3 additional car insurance points.

39:4-127 Backing or turning in street-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points.

39:4-127.1 Failure to stop at railroad crossings-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points.

39:4-127.2 Failure to stop at approaches to movable span bridges-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 additional car insurance points

39:4-128.1 Passing school bus while picking up or discharging-
First offense: Fine or imprisonment not exceeding 15 days or 15 days
community service, or both $100. Community service may be collecting
trash cans or working at recycling center or landfill.
Subsequent offense: Fine or imprisonment not exceeding 15 days, or both
$250 none
2 DMV points and 2 additional car insurance points.

39:4-129(a) Leaving the scene of accident involving injury or death-
First offense: Fine or 180 days imprisonment, or both, and suspension of
driving privileges for 1 year from date of conviction $500-$1000
Imprisonment shall be imposed only if injury to another person. 8
points.
Subsequent offense: Fine or 180 days imprisonment from date of
conviction, or both, and permanent forfeiture of driver's license
$1000-$2000 Imprisonment shall be imposed only if injury to another
person.

39:4-129(b) Leaving the scene of accident involving damages to attended
vehicle or property-
First offense: Fine or imprisonment not exceeding 30 days, or both, and
suspension of driving privileges for six months from date of conviction
$200-$400.
Subsequent offense: Fine or imprisonment not less than 30 days nor more
than 90 days, or both, and suspension of driving privileges for 1 year
from date of conviction $400-$600
2 DMV points and 2 car insurance points
39:4-129(d) Leaving the scene of accident involving damages to
unattended vehicle or property-
First offense: Fine or imprisonment not exceeding 30 days, or both, and
suspension of driving privileges for six months from date of conviction.
$200 $400
Subsequent offense: Fine or imprisonment not less than 30 days nor more
than 90 days, or both, and suspension of driving privileges for 1 year
from date of conviction. $400-$600
2 DMV points and 2 car insurance points

39:4-130 Failure to report accident-
$30-$100

39:4-144 Failure to obey "Stop" or "Yield Right of Way" signs-
Fine or imprisonment not exceeding 15 days, or both $50-$200
2 DMV points and 2 car insurance points

39:6B-2 Failure to carry motor vehicle insurance coverage-
First offense: Fine and a period of community service as determined by
the court, and suspension of driving privileges for 1 year $300-$1000
Community service can be working at recycling or landfill.
Subsequent offense: Fine and shall be subject to 14 days imprisonment,
and 30 days community service and suspension of driving privileges for 2
years from
date of conviction $5000
Community service can be working at recycling or landfill.


.NJ.A.C. 13:19-10.2 Point Accumulation; period of suspension

(a) The Director shall, except for good cause, suspend a person's
license to operate a motor vehicle and/or motorized bicycle in
accordance with the following schedule:

NJ Car Insurance Help - NJ High Risk Auto Insurance Plan (NJPAIP)

N.J.S.A.
SECTION
NUMBER

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; passing a vehicle yielding to pedestrian in crosswalk

2

39:4-41

Driving through safety zone

2

39:4-52
and
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

Driving on public or private property to avoid a traffic sign or signal

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 to 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
and
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

39:4-98

Exceeding maximum speed 1-14 mph over limit

2

39:4-99

Exceeding maximum speed 15-29 mph over limit

4

39:4-99

Exceeding maximum speed 30 mph or more over limit

5

39:4-105

Failure to stop for traffic light

2

39:4-115

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

39:4-127.2

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

2

39:4-129

Leaving the scene of an accident, Personal injury

8

39:4-144

Failure to observe "stop" or "yield" signs

2

39:5D-4

Moving violation out-of-state

2


POINTS ACCUMULATED PERIOD OF SUSPENSION

12 to 15 points in a period of two years or less; 30 days
16 to 18 points in a period of two years or less; 60 days
19 to 21 points in a period of two years or less; 90 days
22 to 24 points in a period of two years or less; 120 days
25 to 27 points in a period of two years or less; 150 days
28 or more points in a period of two years or less; not less
than 180 days
15 to 18 points in a period greater than two years; 30 days
19 to 22 points in a period greater than two years; 60 days
23 to 26 points in a period greater than two years; 90 days
27 to 30 points in a period greater than two years; 120 days

31 to 35 points in a period greater than two years; 150 days

36 or more points in a period greater than two years; not
less than 180 days
12 to 14 points in a period greater than two years; 30 days

(b) For good cause shown, the Director may in his discretion
permit a person to attend a driver improvement
course of the Division of Motor Vehicles in total or partial
satisfaction of a period of suspension imposed
under (a) above. In exercising his discretion, the Director shall
consider the person's driving record prior
warnings or driver improvement school attendance maturity and any
other aggravating or mitigating factor.

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

NJ Car Insurance Help - NJ High Risk Auto Insurance Plan (NJPAIP)
NJ Car Insurance Help - NJ High Risk Auto Insurance Plan (NJPAIP)
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