In New Jersey, the Special Automobile Insurance Policy (SAIP) offers an alternative for low-income households to obtain affordable automotive insurance. Decreasing the number of uninsured vehicles on the highways in New Jersey is the primary factor behind the plan, while protecting motorists regardless of socio-economic status. The policy offers limited coverage and is only available to those who qualify for Federal Medicaid with hospitalization. The insurance covers medical expenses only and costs the insured $365 annually.
Visit a local car insurance agent to sign up for the policy. Most agencies offer the policy, but if there is a problem locating an agency, a quick phone call to the Personal Automobile Insurance Plan (PAIP) customer service line will assist in locating an agency. The PAIP customer service number is 1-800-652-2471.
Present a valid Medicaid card to the representative of the insurance agency. The identification number on the card will indicate whether a Medicaid recipient qualifies for the SAIP.
Sign and date all documentation provided by the insurance representative. The policy will cost $365 for the year if paid in two installments or $360 in a single, upfront payment. These are the only two payment options.
Carry the insurance card provided by the agent at all times, inside the vehicle the policy covers.
