Repeal Special Automobile Insurance Policies (SAIP) in NJ
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The State of New Jersey requires automobile liability insurance for most of us, but has enacted legislation that allows certain people to forego any liability coverage and operate motor vehicles on our roads putting the majority at risk.
What does this mean to you? If you are struck by one of these underinsured motorists, their policy will not cover any of the damages to your vehicle or person. Their policy is not worth the paper it is printed on. You will have to submit the claim through your own insurer and pay the deductible and ultimately higher premiums.
I learned of this program recently when our vehicle was struck by a motorist with "dollar a day insurance ", and will now have to pay my $1,000 deductible to have the damages repaired. This type of policy in no way benefits the majority of residents in the State of New Jersey who already pay extremely high premiums to insure our vehicles in accordance with the laws.
The Special Automobile Insurance Policy (SAIP) is an initiative to help make limited auto insurance coverage available to drivers who are eligible for Federal Medicaid with hospitalization. Such drivers can obtain a medical coverage-only policy at a cost of $365 a year. (Much less than the average liability or full coverage policy).
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 doesn't it 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 coverage)
Legislation must be introduced to require any person operating a motor vehicle in the State of New Jersey to carry liability coverage. No exceptions should be granted based on their income! Protect yourself and your property and help have this outrageous act repealed by showing your support.
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