What does a Salem County business owner 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”.
Salem County Towns Served
1701 ALLOWAY TOWNSHIP Salem County
1702 CARNEYS POINT TOWNSHIP Salem County
1703 ELMER BORO Salem County
1704 ELSINBORO TWP Salem County
1705 LOWER ALLOWAY CREEK TWP Salem County
1706 MANNINGTON TWP Salem County
1707 OLDMANS TWP Salem County
1708 PENNS GROVE BORO Salem County
1709 PENNSVILLE TWP Salem County
1710 PILESGROVE TWP Salem County
1711 PITTSGROVE TWP Salem County
1712 QUINTON TWP Salem County
1713 SALEM CITY Salem County
1714 UPPER PITTSGROVE TWP Salem County
1715 WOODSTOWN BORO Salem County
We offer Salem County New Venture Insurance for several different industries including start up trucking companies as well as the entire Transportation industry.