Welcome to the home page of the:
New Jersey Automobile Insurance Plan (NJAIP).
NJAIP is an assignment mechanism that was created in the state of New Jersey to make personal private passenger automobile insurance coverage, and commercial automobile insurance coverage available for qualified applicants. The Plans are administered by a Governing Committee and a Plan of Operation approved by the Commissioner.
New Jersey Commercial Automobile Insurance Plan (NJCAIP)
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.
New Jersey Personal Automobile Insurance Plan (NJPAIP)
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 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 Plans of Operation apply to all insurers admitted to receive automobile insurance assignments in the state of New Jersey and to all qualified applicants receiving automobile insurance through the Plans, except as otherwise stated.