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Your Obligations as a New Jersey Driver
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 “assigned risk” pool, suspension or revocation of your driver’s license or registration, and additional fines and penalties.
· Always make payments for your policy on time or a lapse in coverage may result. A driver who incurs a lapse in coverage could end up paying far more for insurance. If you take your vehicle off the road because it is not operational or you are not using it, you must surrender your license plates to the New Jersey Motor Vehicle Commission in order not to be required to have insurance coverage in place.
· Promptly provide information your company seeks. Insurance companies have the right to seek information about all licensed drivers in the household. Contact the Department for guidance if you believe your insurer is asking for information to which it is not entitled under state law.
· Do not wait to shop for alternate coverage if you receive a non-renewal notice. Policies can be prepared in advance to become effective on a date several days or weeks after the application.
What if My Renewal Payment is Late?
your auto insurance coverage requires that you:
A driver who mails a renewal payment
before the due date cannot lose
coverage if the payment is received
within three business days of the due
date or there is evidence it is postmarked
prior to the due date. However, insurers
can charge the driver a late fee if the
payment arrives after the due date.