Car Accidents


You have the right to purchase NJ Auto Insurance:

You can never be denied auto insurance based on your gender, race, or ethnicity.

If you are denied NJ auto insurance coverage, the agent or company must state a reason.

Common reasons include:

Do I have the right to cancel or change my NJ Auto Insurance Policy whenever I like?

You can shop for cheaper auto insurance at any time – not just when your policy is up for renewal. If you find a better price, you can cancel your old policy and seek a refund of your unused premium. However, never cancel your old policy until a new one is in effect. A lapse in coverage will result in higher rates in the future. You have the right to change your coverages and policy limits at any time, even if you are not near your renewal date. If you select lower policy limits or cancel non mandatory coverages to save money, you have a right to a refund of your unused premium within 60 days.

You have the right to a timely NJ Auto Insurance response:

You have the right to a timely response when seeking an appointment or application from an agent, broker or company. Appointments should be scheduled so that you can obtain coverage before your current policy expires. Please note that under current insurance regulations a voluntary insurance company has five (5) business days from the date it receives a completed application to either issue or deny coverage to the applicant. However, an application is not considered complete until the company has obtained all pertinent information, including a copy of the applicant’s driving record from the Motor Vehicle Commission and verification of any previous coverage. Therefore, the overall application process can take up to two weeks. Make sure you give yourself enough time to shop for coverage.

You have the right to the prompt and fair handling of NJ Auto Insurance claims:

You have the right to ask about any payments made to others by your company and charged to your policy. If you file a claim, it should be handled promptly and fairly. If a claim is denied, you must receive a written explanation for the denial.

You have the right to a notice of NJ Auto Insurance Policy cancellation:

There are specific circumstances that allow a New Jersey Car Insurance Company to cancel your policy during the policy period. This is referred to as a “mid-term cancellation.” This may only occur when fraud is discovered, when your driver’s license is suspended or when the policyholder fails to make premium payments. A 15-day warning notice must be sent before the policy is canceled.

You have the right to NJ Auto Insurance appeals:

If your coverage is canceled, you can file an appeal with the New Jersey Department of Banking and Insurance. Contact Consumer Protection Services, P.O. Box 329, Trenton, NJ 08625-0329, or call (609) 292-5316 or 1-800-446-SHOP. The Department cannot guarantee that your policy will be reinstated, so you should not delay shopping for alternate coverage. If a carrier denies you coverage and does not state a reason, or if you believe you have been treated unfairly, you can contact Consumer Protection Services.

You have the right to a notice of NJ Auto Insurance non-renewals:

Insurers can decline to renew coverage for several reasons. Most often, this occurs when a driver’s record includes “at-fault accident” or motor vehicle violations and is no longer considered an “eligible”* person in the voluntary market. Other reasons include:

A written non-renewal notice must be sent at least 60 calendar days prior to the expiration date of the existing policy.

Your NJ Auto Insurance obligations as a New Jersey driver:

New Jersey state law requires that any registered vehicle be covered by an insurance policy. Failure to maintain coverage can lead to higher prices for new policies, placement in the NJPAIP “assigned risk” pool, suspension or revocation of your driver’s license or registration and additional fines and penalties.

Maintaining your auto insurance coverage requires that you:

* A driver may be considered an "eligible" person for NJ Auto insurance in the voluntary or "regular" market if he or she has fewer than seven insurance eligibility points on his or her record. This means moving violation points added with insurance points. If a driver has more than 7 points then they should seek coverage through NJPAIP NJ Auto Insurance Plan, for help with this coverage go to

NJ Auto Insurance Consumers "Bill of Rights"