What is the Special Automobile Insurance Policy?
The SAIP is an initiative to help make auto insurance available to drivers who are likely to go uninsured because of limited financial resources.

Who is eligible to get the policy?
People who are currently enrolled in FEDERAL MEDICAID WITH HOSPITALIZATION are eligible for the SAIP. Not all Medicaid programs qualify for the SAIP policy. An insurance producer can determine if you are eligible from the number on your Medicaid ID card.

How do I get the policy?
The SAIP 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 search for a PAIP producer. Effective 01/01/2011, National Continental Insurance Company is the carrier that writes SAIP policies.

What does it cost?
The policy currently costs $365 per year.

Do I pay for this insurance all at once, or can I make payments?
The policy costs $360 if you pay up front or $365 in two installments.

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 coverages).

Will my policy be cancelled if my Medicaid benefits are discontinued?
The applicant must demonstrate enrollment in Medicaid when the policy is first written and at each renewal. If the insured is no longer enrolled in Medicaid during the policy term the policy will not cancel, but the insured will receive only the limited benefits of the policy.

If more than one driver in the house is on Medicaid, can they all get the Special Automobile Insurance Policy?
The policy only covers those enrolled in Medicaid. If there is one car and several people in the household enrolled in Medicaid, they can all be covered by the same policy. However, there can only be one car per policy.

Can I get a policy if I have a bad driving record?
You cannot get a policy if your driver's license or registration is revoked or suspended.

What do I need to bring when I apply for this policy?
In addition to driver's licenses for all operators of the vehicle to be insured and the vehicle's registration, you need to bring a Medicaid identification card that shows that all persons to be covered under the policy are enrolled in Medicaid.

Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.