What does a Camden County business owners do when they cannot find commercial auto insurance to insure the company vehicles? They turn to NJCAIP for coverage.
NJCAIP insures many different types of smaller commercially registered vehicles from one pickup truck to large fleets of delivery or courier vehicles to emergency/non emergency response vehicles.
NJCAIP insures straight trucks, box trucks, tow truck all the way up to large commercial trucking fleets.
Why would my commercial auto insurance company cancel my policy?
Your insurer may choose not to renew your policy for a variety of reasons.
Do you have a bad driving record? Have you received a lot of speeding tickets? Have you ever been caught driving drunk? Not only are these scenarios considered unsafe and illegal, they are justifiable cause for your insurer to label you a bad risk and refuse to renew your policy. Some underwriters may feel compelled to cancel policies after only one accident. This does not apply to State High Risk Insurance Pool policies where your company has coverage at a cost that reflects the risk involved.
Light trucks are larger than mini trucks but smaller than medium trucks. In the US, they are defined as weighing between 00001–14000 lb (0001–6350 kg). There is no smaller classification.
Sport utility vehicle
Tow truck (may also be a medium or heavy truck)
Medium trucks are larger than light but smaller than heavy trucks. In the US, they are defined as weighing between 14001–26000 lb (6351–11793 kg). In North America, a medium-duty truck is larger than a heavy-duty pickup truck or full-size van.Some trucks listed as medium also are made in heavy versions.
Cutaway van chassis
Medium Duty Truck
Medium Standard Truck
Flatbed truck (may also be light duty trucks)
Firetruck (may also be a heavy truck)
Recreational Vehicle or Motorhome
Heavy trucks are heavier than medium trucks. They weigh between 26001 to over 33000 lb (11794 to over (14969 kg). There is no higher on-road classification.
Many heavy trucks listed are also made in medium duty versions:
Concrete transport truck (cement mixer)
Combined single limit
A combined single limit combines property damage liability coverage and bodily injury coverage under one single combined limit. For example, an insured driver with a combined single liability limit strikes another vehicle and injures the driver and the passenger. Payments for the damages to the other driver’s car, as well as payments for injury claims for the driver and passenger, would be paid out under this same coverage.
A split limit liability coverage policy splits the coverage’s into property damage coverage and bodily injury coverage. In the example given above, payments for the other driver’s vehicle would be paid out under property damage coverage, and payments for the injuries would be paid out under bodily injury coverage.
Bodily injury liability coverage is also usually split into a maximum payment per person and a maximum payment per accident.
The limits are often expressed separated by slashes in the following form: “bodily injury per person”/”bodily injury per accident”/”property damage”.
Camden County Towns Served
0401 AUDUBON BORO Camden County
0402 AUDUBON PARK BORO Camden County
0403 BARRINGTON BORO Camden County
0404 BELLMAWR BORO Camden County
0405 BERLIN BORO Camden County
0406 BERLIN TWP Camden County
0407 BROOKLAWN BORO Camden County
0408 CAMDEN CITY Camden County
0409 CHERRY HILL TWNSHP Camden County
0410 CHESILHURST BORO Camden County
0411 CLEMENTON BORO Camden County
0412 COLLINGSWOOD BORO Camden County
0413 GIBBSBORO BORO Camden County
0414 GLOUCESTER CITY Camden County
0415 GLOUCESTER TWP Camden County
0416 HADDON TWP Camden County
0417 HADDONFIELD BORO Camden County
0418 HADDON HEIGHTS BORO Camden County
0419 HI NELLA BORO Camden County
0420 LAUREL SPRINGS BORO Camden County
0421 LAWNSIDE BORO Camden County
0422 LINDENWOLD BORO Camden County
0423 MAGNOLIA BORO Camden County
0424 MERCHANTVILLE BORO Camden County
0425 MOUNT EPHRAIM BORO Camden County
0426 OAKLYN BORO Camden County
0427 PENNSAUKEN TWP Camden County
0428 PINE HILL BORO Camden County
0429 PINE VALLEY BORO Camden County
0430 RUNNEMEDE BORO Camden County
0431 SOMERDALE BORO Camden County
0432 STRATFORD BORO Camden County
0433 TAVISTOCK BORO Camden County
0434 VOORHEES TWP Camden County
0435 WATERFORD TWP Camden County
0436 WINSLOW TWP Camden County
0437 WOODLYNNE BORO Camden County