Dollar-a-Day Insurance in New Jersey

Dollar-a-Day Insurance is the common name for New Jersey's Special Automobile Insurance Policy (SAIP). It is a limited, medical-coverage-only auto policy for people who qualify through Federal Medicaid with hospitalization. It is not the same as a Standard or Basic New Jersey auto policy.

People currently enrolled in Federal Medicaid with hospitalization may be eligible. Not every Medicaid program qualifies. UPIX can review the information you provide, but eligibility is determined under New Jersey SAIP requirements and verified by the appropriate program and insurer.

Yes. New Jersey describes SAIP as available to people currently enrolled in Federal Medicaid with hospitalization. Bring or provide your Medicaid information so eligibility can be reviewed; not all Medicaid programs qualify.

According to the New Jersey Department of Banking and Insurance, SAIP costs $360 when paid up front or $365 when paid in two installments, which is approximately $1 per day. Program pricing and requirements can change, so confirm current details during your review.

SAIP provides emergency treatment immediately after an accident, treatment for serious brain and spinal cord injuries up to $250,000, and a $10,000 death benefit when applicable under the policy. Policy terms and program rules control coverage.

No. SAIP does not provide collision or comprehensive coverage to repair or replace your own vehicle. It is a limited medical-coverage policy, not full automobile insurance.

No. SAIP does not provide bodily injury liability or property damage liability for damage you may cause to other people or their property. Ask UPIX to explain the differences between SAIP, Basic Auto Insurance, and Standard Auto Insurance.

You can begin an eligibility review with UPIX online. Depending on eligibility and the documents required, the team may collect information electronically, request documents securely, communicate by phone, text, email, or WhatsApp, and provide electronic signature options when available and applicable.

Not necessarily. UPIX can help many customers begin the process remotely. An office visit may be needed in some circumstances, depending on verification, documents, and program requirements.

UPIX Insurance can help you understand the SAIP program, collect the initial information needed for an eligibility review, and explain available next steps. UPIX cannot guarantee qualification or coverage.

UPIX Insurance serves Elizabeth and customers throughout New Jersey. You can start an eligibility review online, call the UPIX office, or speak with a team member in English or Spanish.

Applicants should be prepared to provide applicable documentation such as driver's licenses for vehicle operators, vehicle registration, Medicaid information or card, information for eligible household drivers, and vehicle details. Additional documentation may be required based on eligibility and program requirements.

New Jersey states that SAIP only covers people enrolled in Medicaid. If one car is shared by several household members who are enrolled in Medicaid, they may be covered on the same policy; there can be only one car per policy. UPIX can help review your household's situation.

New Jersey states that Medicaid enrollment must be demonstrated when SAIP is first written and at renewal. If Medicaid benefits end during the policy term, the policy does not cancel, but only the policy's limited benefits remain. Ask UPIX about your options before renewal.