About SAIP Insurance

A team dedicated to getting you coverage as soon as possible.

We are New Jersey specialist that prides itself getting you an ID Card and street legal.


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SAIP Frequently Asked Questions

What is SAIP?

Special Automobile Insurance Policy (SAIP) is an insurance initiative that allows drivers who are eligible for FEDERAL MEDICAID WITH HOSPITALIZATION to access affordable insurance.


How do I get the policy?

You can get SAIP through most insurance agencies. If you need any assistance on how to get one, you can search for any Personal Automobile Insurance Plan (PAIP) producer or contact PAIP customer service at 1-800-652-2471.


How much does it cost?

You can get the policy for just $365 per annum.


Can I make Installment payments for this policy?

Yes. The policy costs only $360 if you pay upfront and $365 in two installments.


What does this policy cover?

This policy covers emergency treatment of drivers immediately after an accident occurs and the treatment of spinal cord and severe brain injuries up to $250,000 and as well as $10,000 death benefit.


What doesn’t it cover?

The policy doesn’t cover damage caused to others’ property or people (liability) or the driver’s own car (collision and comprehensive coverages). The SAIP policy does not also cover outpatient treatment.


Will my policy be affected if my Medicaid benefits are discontinued?

You must be enrolled in Medicaid when the policy is written and at every renewal. An applicant will no longer be eligible for SAIP if they are no longer enrolled in Medicaid after the expiration of the term.


Can bad driving record affect my getting a policy?

Drivers with revoked or suspended driver’s registration or license are not eligible for the policy.


What do I need to provide when I apply for this policy?

At the time of buying the policy, you will need to provide a Medicaid ID card, a driver’s license, and vehicle registration.

You should, however, be sure of the accuracy of the information supplied when applying as misleading or false information is subject to civil and criminal penalties.