What is "special insurance" in New Jersey?

I was in an accident where I was not at fault; the other driver hit me! I was in the hospital for a week and my car was totaled. I find out the other driver has "special NJ insurance" and there isn't going to be any payout for my car or medical bills. How is this possible?

Apr 29, 2021
Answer provided by
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Shannon Martin
Answered at Apr 29, 2021
“New Jersey has what is known as Special Automobile Insurance Policy (SAIP), or “”Dollar a Day“” insurance for drivers who are on Medicaid. It was originally set up so that folks who can’t afford standard insurance will have some protection in the event of an accident. However, this insurance does not pay out like a standard policy.
SAIP only covers the driver’s medical payments and funeral cost up to a limited amount. It does not provide liability coverage when they are found to be at fault in an accident. This is the coverage type that would normally pay for your medical bills and vehicle.
In this situation, the only recourse you have is to go after the other driver personally with a lawsuit in hopes of recouping what you have lost.”
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