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Welcome to the home page of The New Jersey Commercial Automobile
Insurance Plan (CAIP) and The New Jersey Personal Automobile Insurance Plan
(PAIP).
What's New:
Spring 2002 Broadcaster (pdf)
Read the latest Plan newsletter!
AGN(NJ)02-14 (pdf)
The New Jersey Department of Banking and Insurance has approved a revision
of other than private passenger liability, personal injury protection, and
physical damage rates for risks insured through the New Jersey Automobile
Insurance Plan, effective June 1, 2002 for new business and July 15,2002 for
renewal policies.
The New Jersey Commercial Automobile Insurance Plan
The New Jersey Commercial Automobile Insurance Plan was created in the state of New Jersey for the administration and apportionment of
automobile insurance for qualified applicants.
The purposes of the Plan are:
To provide coverages subject to conditions for all commercial vehicles.
To provide for the apportionment of insurance coverage for qualified applicants who are
in good faith entitled to, but are unable to procure, insurance through the voluntary
market.
To establish a procedure for the sharing of premiums, losses, and expenses amongst all
insurers who are participants in the state of New Jersey, for all risks qualified for
coverage under the provisions of the plan.
The New Jersey Personal Automobile Insurance Plan
The New Jersey Personal Automobile Insurance
Plan was established in the state of New Jersey to make personal private passenger
automobile insurance coverage available for automobiles owned or operated by qualified
applicants. The Plan is administered by a Governing Committee and a Plan of
Operation approved by the Commissioner. The purposes of the Plan are:
To provide personal private passenger automobile insurance coverages as specified in the
manual of Rules and Rates subject to the conditions stated therein.
To establish a procedure for the equitable distribution of risks assigned to insurance
companies.
To preserve to the public the benefits of price competition by encouraging maximum use
of the voluntary private insurance system.
The provisions of the Plan of
Operation apply to all insurers admitted to transact private passenger automobile
insurance in the state of New Jersey and to all qualified applicants eligible for
automobile insurance through the Plan, except as otherwise stated.
New Jersey Commercial Auto Insurance Plan (CAIP)
6000 Midlantic Drive, Suite 200 North
PO Box 5072
Mount Laurel, NJ 08054
(800)652-2471 or (856)722-0030
New Jersey Personal Auto Insurance Plan (PAIP)
6000 Midlantic Drive, Suite 200 North
PO Box 5415
Mount Laurel, NJ 08054
(800)652-2471 or (856)722-0030
Frank J. Pensabene, Resident Manager
Copyright 1999-2000 AIPSO. All Rights Reserved.
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Results from search: http://www.njinsurancefraud.org/
New Jersey Office of the Insurance Fraud Prosecutor
Office
of the
Insurance Fraud Prosecutor
On
May 19, 1998, the Automobile Insurance Cost Reduction Act of 1998 (AICRA)
was enacted which created the OIFP P.L. 1998 ,
c. 21. The mission of the OIFP is to thoroughly investigate
allegations of Medicaid and insurance fraud and to develop case-specific
facts and evidence. This allows the State of New Jersey to make a
reasoned decision whether and how to proceed in cases involving insurance
fraud, especially against those who submit false or inflated claims to
private or government insurance providers.
OIFP serves as the focal point for all criminal, civil
and administrative prosecutions of Medicaid and insurance fraud. The Office
also coordinates all insurance-related anti-fraud activities of State
and local departments and agencies.
This
web site is designed to be informative and educational. Suggestions
are always welcome. Contact us with your ideas or to report fraud.
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Insurance Council Of NJ
The Insurance Council of New Jersey (ICNJ) was established in 1977 and is a nonprofit,
insurance research, information and advocacy organization sponsored by 29 New
Jersey licensed property/casualty insurance companies. Our mission is
to create a positive image and understanding of our industry and to promote a
positive business environment through education, public information and
communication with the state's media, consumers and public officials.
Collectively, ICNJ member companies underwrite 77 percent of the automobile
policies, 65 percent of the homeowners insurance policies, 51 percent of the
commercial insurance and more than 35 percent of the workers compensation
policies in New Jersey.
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insure.com - auto insurance, news, and advice
Auto Insurance
Accidents: What to do after an accident
Accidents: Six scenarios
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Aftermarket parts
Arbitration: Mediating and arbitrating auto claims
Basics: Auto insurance basics
Basics: Determine your needs
Basics: 12 things your auto insurer won't tell you
Business: Using your own car for work
Cancellation vs. nonrenewal
Cars: The deadliest of all time
Cars: The safest of 2002
Cars: insure.com S.A.F.E. Car awards program
Claims payments: Who gets the check?
Claims phone numbers
College-bound: Ensuring proper insurance
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Credit history: How it affects insurance premiums
Diminished car values
Discounts: Nine ways to save
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Dropping your auto insurance: How to
DUI convictions and insurance
Elderly drivers: Risk and rates
Elderly drivers: Licensing-renewal laws
Flood-damaged cars
Foreign drivers: Options
Fraud and car accident tips
Gap coverage
Home-based business car insurance
Late-payment consequences
Liability: When friend crashes your car
Liability requirements by state
MedPay coverage
Mexico driving insurance
New cars: Auto(matic) coverage
No-fault states' laws
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OEM repair parts: Your rights
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Risky drivers' insurance options
S.A.F.E. Car Program: insure.com selects the safest
Savings: For 20-somethings
Snowmobiling safety: Nine tips
"Stacking" your UM/UIM auto coverage
SUV safety tips
Teens: Single-parent households
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Theft prevention: auto alarms
Third-party claims
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The most dangerous foods to eat while driving
The majority of us are spilling coffee on ourselves, trying to clean up crumbled tacos and sloppy chili, and dripping jelly donuts down our shirts - all while at the wheel.
Profile of a bad driver: Are you one?
Take this quiz to find out if your driving habits make you a menace on the road.
The 10 most expensive 2002 cars to insure
These hot cars will cost you lots of cold hard cash at insurance time.
The 10 least expensive 2002 cars to insure
Want to save money on auto insurance? Think boring.
Drivers age 16 to 24 are the highest-risk drivers in the nation, and insurance companies make them pay for it. In order to economize, you, as a parent, are going to want to keep your teen off of your auto policy for as long as possible.
But do you have to add your teen to your policy when he gets a driver's permit or a driver's license ? The answer can mean an increase in your insurance rate of hundreds of dollars. Read When to add your teen to your auto insurance policy .
Your car is wrecked and your insurer says it's "totalled." But what if you don't agree with your insurance company's assessment of the damages? What if you really love your car and you don't want them to take it away? Do you have any recourse? Learn about Total warfare: What to do when your auto insurer totals your car .
's lowball tactics come back to bite them
The company that once gobbled up market share by offering lower-than-average rates may now have some regrets.
Car accidents tend to occur close to home
Most people are 5 miles or less from home when they crash.
Minnesota reins in use of credit scores by insurers
Minnesota remains highly suspicious about credit scoring in general.
Cities with the worst auto theft
Are you living in a hotbed of car theft?
Auto insurers back at the trough in Florida for another rate increase
Here's why Florida auto insurers have an unquenchable thirst for more premiums.
New York City drivers going bananas with phony insurance claims
Fraudulent medical claims threaten to make New York City insurance rates the highest in the nation.
Keeping secrets is fine when you're in grade school, but when it comes to taking care of your car, secrets are just what you don't need, especially from your insurance company. Here are 12 things your auto insurer won't tell you , and what you can do about it.
Insure.com's exclusive Safe Autos For Everyone (S.A.F.E.) Car Program takes the guesswork out of selecting a safe new vehicle.
Using crash test data from both the Insurance Institute for Highway Safety and the National Highway Traffic Safety Administration, the S.A.F.E. Car Program sifts through the dozens of makes and models to identify the safest vehicles in six categories.
Here are The safest cars of 2002 .
Have a basic question? See our Auto Insurance Frequently Asked Questions .
In the Auto Insurance Forum :
Due to bad weather, a tree by the parking lot of my apartment fell on my car, crushing it and causing extensive damage. I don't have comprehensive insurance on my car. What are the chances of getting compensated by the landlord's insurance company?
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Automobile
Insurance
THE BASICS OF AUTO INSURANCE
Losses
from property damage, medical and legal costs, and lost income add up to billions of dollars annually for automobile mishaps. Automobile insurance plays an important role in protecting consumers from serious financial losses that can result from such
accidents.
The basic types of auto insurance coverage include:
Bodily Injury Liability. Pays your legal defense costs and claims against you if your car injures or kills someone. Covers family members living with you and others driving with your permission.
Property Damage Liability. Pays your legal defense costs and claims against you if your car damages another's property. Does not cover your property, including your auto.
Medical Payments or Personal Injury Protection. Pays medical expenses resulting from an accident for you and others riding in your car. Also pays for you or your family members injured while riding in another's car or while walking.
Collision. Pays for repairs of damage to your car caused by a collision with another vehicle or any other object, regardless of who was responsible.
Comprehensive Physical Damage. Pays for damages to your car resulting from theft, fire, hail, vandalism, or a variety of other causes.
Uninsured or Underinsured Motorist. Pays for costs related to injuries or property damage to you or your family members and guests in your car caused by an uninsured, underinsured, or hit-and-run driver.
WAYS TO SAVE $ ON YOUR POLICY
State-by-State Requirements . . .
Not all states require you to have automobile insurance, but all states do require you to prove that you can pay specified amounts if you cause bodily injury or property damage while driving. Your proof would be insurance or large amounts of cash or some
other security. Without one of these, you may lose your driver's license and registration. Visit the Insurance Information Institute's web site at www.iii.org
to find the specific auto insurance coverages required by each state.
Savings Check List . . .
Comparison Shop. Prices for the same coverage can vary significantly
from company to company. You should get at least three different quotes.
Call your state insurance department for ideas about companies and
agents to contact. To find a listing for your state's department,
visit the National
Association of Insurance Commissioners ' (NAIC) web site.
Also, check the financial ratings of insurance companies with one of the major ratings services. The following provide free information on the claims-paying ability ratings of companies: Standard & Poor's at www.standardpoor.com ,
212.208.1146; Duff & Phelps Credit Rating Co. at www.dcrco.com, 212.908.0200; and Moody's Investor Service at www.moodys.com ,
212.553.0300.
Ask for Higher Deductibles. Deductibles represent the amount of money you pay before your insurance company fulfills a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your insurance costs substantially. For example,
increasing your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15% to 30%.
No Comprehensive and/or Collision Coverages on Old Cars.
It may not be cost effective to have collision or comprehensive coverages on cars worth less than $1,000 because any claim you make would not substantially exceed annual cost and deductible amounts. To determine the value of your car, call your bank or refer
to the Kelly Blue Book to car buying available at a library or at www.kbb.com .
Buy a "Low Profile, Low Maintenance" Car. Cars that
are expensive to repair, or that are favorite targets for thieves,
have much higher insurance costs. See the National Insurance Crime
Bureau at web site www.nicb.org
for a list of the U.S.' top stolen vehicles.
Low Mileage Discounts. Some companies offer discounts to motorists who drive fewer than a predetermined number of miles a year.
Location Considerations. Premium costs tend to be lowest in rural communities and highest in cities.
Automatic Seat Belt and/or Airbag
Discounts. Some coverages provide discounts if you have automatic seat belts and/or airbags.
Anti-Lock Brakes. Anti-lock brakes improve steering control and stability when a car is brought to a stop, thus reducing accidents. Some states, including Florida, New Jersey and New York, require insurers to give discounts for cars equipped with anti-lock brakes while some
insurers have a nationwide discount in place.
Other Discounts.
Some insurers offer discounts for a variety of other qualifications like:
no accidents in three years;
drivers over 50 years of age;
driver training courses;
anti-theft devices;
good grades for students; and
having more than one car insured with that company.
Specialty Coverages. Adding supplemental insurance coverages like towing and labor or car rental reimbursement to your basic auto insurance policy may save you money. For example, for an average of $1 or $2 a month added to your auto insurance, you can purchase coverage that
will pay for your rental car while your car is being repaired from an accident. If you have this or some other specialty insurance, be sure to remind your insurance company or agent when you file a claim.
IN CASE OF AN ACCIDENT
If you are involved in an auto accident, take the following steps:
Don't leave the scene.
Call for medical assistance if there are injuries.
Provide basic first aid.
Call a law enforcement officer if needed.
Get the officer's name and police station address. Ask when the accident report will be filed, its case number and how to get a copy.
Take careful note of the following:
Date and time of the accident.
Street and city.
Weather and road conditions.
Direction and speed you and other drivers were going.
Brief description of how the accident occurred.
Record the license plate, driver's license and insurance information numbers of each driver involved.
FILING YOUR CLAIM
Phone your insurance agent or a local company representative as soon as possible.
Ask your agent how to proceed and what forms or documents will be
needed to support your claim.
Keep records of your expenses because any you incur as a result of an automobile accident may be reimbursed under your policy.
Keep copies of your paper work.
Words to Know
Before
purchasing auto insurance, you should know the following definitions:
Conditions -- Explanations in the policy of your responsibilities and the company's; for example, how claims are to be filed and what proofs you must submit with your claim.
Coverage -- Description in the policy of the specific circumstances under which you receive benefits.
Declarations -- Listing of the details of your particular coverage, such as the policy number, kinds of coverage and amounts of money provided by each, your name and address, a description of your vehicle, the premium, and coverage duration.
Exclusions -- Descriptions of the situations under which you and your car are not covered.
Supplemental Payments -- Court costs, bail bonds, expenses related to a lawsuit including defense, or any other specific payments your insurance provides which are not specifically listed in other parts of the policy.
Deductible -- The amount of a loss or claim you must pay before you can collect from the insurance company.
Liability -- Your financial responsibility incurred because of an accident.
Rating -- The process by which the price of your insurance coverage is determined. States are divided into rating territories. Your insurance company bases part of the price of your policy on the claims history of all the drivers it insures in your territory. Other
factors such as your driving record and age also affect the rating.
Premium -- The cost of the insurance policy (usually paid out in periodic payments).
HOW TO PROTECT YOURSELF
Taking
the following proactive steps can help you avoid becoming a victim of auto insurance fraud:
Plan Ahead. Purchasing insurance itself is not enough. Decide what type of coverage you want and what you can afford in terms of deductibles.
Shop Around. Average auto insurance rates have declined in recent years. Comparison shop as you would for any other major purchase. The cost of insurance can vary significantly from com-pany to company.
Get What You Pay For. Make sure your policy contains the coverage you've selected. Take the time to review your coverage and get a second opinion from a reliable source.
Investigate. Check out the reputation of the agent as well as the insurance company. If you buy a policy from an unlicensed agent, you are not protected. Don't rely on someone's identification for verification. Get their agent license number and call your state insurance
commissioner's office to verify an agent's licensing status. To locate your state insurance department, visit the NAIC web site at
www.naic.org/consumer/state/usamap.htm
Do not give out any financial or personal information until you do so.
Never Pay Cash. Always pay your insurance premiums by check or money order. And, if possible, make your check out to the insurance company.
Protect Your Records. Store copies of insurance documents and receipts in a safe deposit box or with an attorney. Documents should include up-to-date pictures of your vehicles.
Detail Your Claims. In the event of an accident, your insurance company will meet with you to determine the validity of your claim. Keep a log of your interactions with adjusters and agents, including conversations, documents and phone calls, etc.
Beware of Unsolicited Offers. Be wary if, after an auto accident, one or more strangers contact you to offer "quick cash" or to recommend a particular medical clinic, doctor or attorney. This unsolicited help could be the work of a fraud ring.
Check All Related Bills. Ask for detailed bills for all services associated with your auto insurance policy. Carefully check them for accuracy. Be sure you actually received the service(s) listed and watch for double-billing or unexplained excess charges.
REPORT FRAUD. If you've been the victim of auto insurance fraud, immediately contact the fraud division of your state insurance department. Remember, detailed and precise documentation is your greatest asset when filing claims and will enhance your chances of fighting
back.
To learn more about auto insurance issues, contact the following:
YOUR LOCAL BETTER BUSINESS BUREAU
Web site: www.bbb.org/bureaus
COALITION AGAINST
INSURANCE FRAUD
Web site: www.insurancefraud.org
Federal trade commission at 202.382.4357, Web site: www.ftc.gov
INSURANCE INFORMATION INSTITUTE at 800.331.9146, Web site: www.iii.org
NATIONAL ASSOCIATION OF
INSURANCE COMMISSIONERS
at 816.842.3600, Web site: www.naic.org
NATIONAL INSURANCE CRIME BUREAU at 800.447.6282, Web site: www.nicb.org
*If you find any of the web sites listed above to be inactive, please contact the respective organization. Also, be aware that the above phone numbers may be subject to change without notice.
Check Out a Company
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Results from search: http://www.allen-allen.com/
New Jersey Insurance NJ Auto Home Life Health
Established 1924
Yes!! We Are #1 for Insurance via the Internet for New Jersey Consumers!!
Allen & Allen
Insurance Agency, Inc. is the
premier
provider of insurance for New Jersey Consumers
via the Internet!
We are a family owned and operated
insurance agency with offices located in Hasbrouck Heights and
Franklin Lakes, New Jersey. Established in
1924 , our company has grown to a full service insurance agency.
We
have a commitment to maintain a high standard of excellence in all
that we do and to establish a firm relationship of mutual trust and
service with each of our clients.
Is your automobile
insurance company planning to increase your auto insurance rates or
leave NJ altogether? Give
us a try....
Take
our poll>
Who/What causes high automobile insurance rates in NJ?
Company Updates...
New
Jersey Automobile Insurance Company covers drivers with one-time
offenses
We do not work for an insurance company; we work for you. We work on
your side when you have a loss and follow through to see that you get
fair, prompt payment and service. We represent a carefully selected
group of financially sound, reputable insurance companies, and we place
your policy with the company offering the best coverage at a competitive
price!
New
Jersey Automobile Insurance Company records zero valid complaints for
2nd consecutive year.
Coming Soon!!
Banking Services (CD's, Money Market, ect.)
Re-Finance? New Home Purchase?
Try our mortgage services Dept . Contact
us
Need
a Will? Living Will? Real Estate Closing? See our Law Dept.
Contact
Us
Hasbrouck Heights Office:
228 Boulevard Hasbrouck Heights, NJ 07604
Directions
to our Hasbrouck Heights Office
Franklin Lakes Office:
801 Franklin Avenue Franklin Lakes NJ
07417
Directions
to our Franklin Lakes Office
Electronic mail :
General Information: pallen@allen-allen.com
Sales: Peter H. Allen and Jeffrey A. Allen
Webmaster: Peter H. Allen pallen@allen-allen.com
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Send mail to pallen@allen-allen.com
with questions or comments about this web site.
Copyright © 2002 Allen & Allen Insurance Agency Inc.
Last modified:
May 06, 2002 09:52:08 PM
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