Special Automobile Insurance Policy: New Jersey's Income Restricted Policy
Special Automobile Insurance Policy(SAIP) provides emergency room care and catastrophic care to certain Medicaid recipients who receive hospitalization benefits. It is available for $360 a year, or $365 if paid in two six-month installments. SAIP works in tandem with Medicaid to ensure that the low-income driver covers all his or her costs to the hospital system in the event of an accident
What does it cover?
Emergency treatment immediately following an accident and treatment of serious brain and spinal cord injuries up to $250,000. It also provides a $10,000 death benefit.
What does it not cover?
Outpatient treatments such as doctors' visits covered by Medicaid, damage you may cause to other persons or property (liability coverage), or damages to your own car (collision and comprehensive coverages).
How do I get the policy?
The Special Automobile Insurance Policy can be obtained at most insurance agencies. If you're not sure how to get one, you can call the Personal Automobile Insurance Plan (PAIP) customer service number at 1-800-652-2471, or visit the DOBI Web site at http://www.nj.gov/cgi-bin/dobi/paip/paipmenu.cgi.
Not all low-income drivers are eligible. If you have few or no assets but do not receive Medicaid, please consider the Basic Policy.