Affordable medical auto coverage options for qualified NJ drivers.
Understanding dollar a day insurance (SAIP).
Dollar A Day insurance—officially known as the Special Automobile Insurance Policy (SAIP)—is a state-sponsored program in NJ designed to assist low-income drivers who meet specific income and medical requirements. This initiative helps eligible individuals obtain basic medical coverage while driving legally.
What are the eligibility requirements?
To qualify for Dollar A Day insurance through 199 Coverage Solutions, applicants must meet the following criteria:
- Enrolled in Federal Medicaid with Hospitalization
- Hold a valid driver’s license in NJ
- Own or register a vehicle in NJ
Flexible payment options.
Dollar A Day coverage offers structured payment schedules to assist your household budget:
- 6-Month Policy: $189.95
- 12-Month Policy (Full Year): $365.00
Note: Payment submission instructions are provided once all required eligibility documents are submitted and verified.
Required documentation.
To process your request, please gather and submit the following three documents:
- Medicaid Card / Health Benefit ID Card: Must show active enrollment in Medicaid with hospitalization benefits.
- Driver’s License: A current, valid driver’s license (an interim license is accepted only alongside an expired license).
- Proof of Vehicle Ownership: Current vehicle registration, vehicle title, or official bill of sale.
How to Submit Documents: You can email your documents directly to or bring them during your scheduled appointment.
What to expect.
Once we receive your documents, we’ll confirm your eligibility and help you get connected with the right next steps.
What Does SAIP Cover?
- Emergency Medical Expenses: Covers emergency treatment immediately following an accident.
- Death Benefit: Provides a $10,000 death benefit.
- Important Exclusion: SAIP does not include liability coverage for damage or injuries you cause to other drivers, nor does it cover physical damage to your own vehicle. If you need additional liability or physical damage protection, our team can guide you through optional policy options.
