agentaudi007
12-06-2010, 06:06 PM
Get out before it's too late!
Long story short, I was parked at the gas pump (Shell super for my baby, no less) and I was rear ended by a driver from Camden who is "covered" with SAIP insurance (Specialty Auto Insurance Policy). This is basically a state run program that covers NOTHING! There is no liability or bodily injury coverage at all that would meet the minimum standard level of insurance required to drive legally but somehow it is legal.
From what I have read, it's often referred to as "dollar-a-day" and allows someone on medicaid to drive legally with no insurance. It only covers the ambulance trip to the hospital and the first hospital visit with a death benefit. I couldn't believe it myself. So now I'm SOL and will have to pay the deductible and inevitably higher premiums. Not much else that I found other than McGreevey is to thank for this entitlement enacted in 2003 and the number of drivers on this type of "insurance" is growing at an alarming rate. It's also causing the rates for everyone else who is covered to go higher as more people join.
Has anyone heard of this or had any experiences? I'm certainly going to write a letter to the state reps about getting this law reversed. It's simply ludicrous. Please share or better yet write to the state reps too! Thanks.
Long story short, I was parked at the gas pump (Shell super for my baby, no less) and I was rear ended by a driver from Camden who is "covered" with SAIP insurance (Specialty Auto Insurance Policy). This is basically a state run program that covers NOTHING! There is no liability or bodily injury coverage at all that would meet the minimum standard level of insurance required to drive legally but somehow it is legal.
From what I have read, it's often referred to as "dollar-a-day" and allows someone on medicaid to drive legally with no insurance. It only covers the ambulance trip to the hospital and the first hospital visit with a death benefit. I couldn't believe it myself. So now I'm SOL and will have to pay the deductible and inevitably higher premiums. Not much else that I found other than McGreevey is to thank for this entitlement enacted in 2003 and the number of drivers on this type of "insurance" is growing at an alarming rate. It's also causing the rates for everyone else who is covered to go higher as more people join.
Has anyone heard of this or had any experiences? I'm certainly going to write a letter to the state reps about getting this law reversed. It's simply ludicrous. Please share or better yet write to the state reps too! Thanks.