Special Auto Insurance Policy (SAIP)
Contact Information
20 West State St.
Trenton, NJ 08625
Web site
Hours of Service
9:00 a.m. to 5:00 p.m.
How to Apply

To apply, contact an automobile insurance broker directly for a personal automobile insurance plan (PAIP). The Department of Banking and Insurance maintains a listing of all PAIP producers by county, with address and phone numbers. Or you can call 1-800-652-2471.

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.

The SAIP 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.


General Requirements:
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.

Income Requirements:
Areas Served
All of New Jersey
Language Translation Services
Not available
Further Information
Please note that the State of New Jersey does not subsidize the premiums for the Dollar-a-Day program.
Program Web Site Address