Only a Medicad eligible person may obatin a NJSAIP or Dollar-A-Day Auto Policy.
NJSAIP Program Description
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.
The SAIP policy covers emergency treatment immediately following an accident and all treatment of serious brain and spinal cord injuries up to $250,000. The SAIP policy also provides a $10,000 death benefit.
A NJSAIP policy DOES NOT COVER damage you may cause toother persons or property (liability coverage), or damages to your own car (collision and comprehensive coverages). The SAIP policy also does not cover outpatient treatment (non emergency doctor visits, physical therapy, etc.).
None to apply. The insurance policy, if obtained, costs $365 per year.
Applicant must be currently uninsured.
Applicant must be enrolled in a Medicaid program that provides hospitalization. Not all Medicaid enrollees are eligible. To determine if you are eligible, bring your Medicaid ID card to an insurance producer. Insurance producers can determine eligibility by contacting Medicaid.