Understanding Auto Insurance Code 962: What Does It Mean?

Auto insurance codes are important pieces of information that can be found on motor vehicle accident reports. These codes correspond to the names of insurance companies and are used to identify auto insurers authorized to operate in specific states. New Jersey, for example, has a unique set of insurance codes that residents may need to reference when registering or renewing their vehicle registration. One such code is 962, which is associated with a specific insurance company operating in the state. Understanding these codes is crucial for individuals involved in car accidents, as they facilitate the process of filing insurance claims and seeking compensation from the appropriate insurer.

New Jersey auto insurance codes

The state of New Jersey provides a list of insurance company codes for every authorized insurer in the state. These codes are used in the motor vehicle accident report to identify the insurance company of the involved parties. This can be crucial information when filing a claim, as it allows individuals to contact the correct insurance company and initiate the claims process.

In addition to insurance company codes, the New Jersey Police Crash Investigation Report also contains important codes referenced in the New Jersey Police Code Grid. For example, boxes 118 and 119 indicate the apparent contributing circumstances and the officer's opinion on who caused the collision. It is important to note that this is not considered evidence of fault but rather a professional opinion.

To fully understand these codes and ensure a smooth claims process, it is recommended to seek guidance from experienced professionals, such as the team at Davis, Saperstein & Salomon, P.C., who can help interpret the codes and determine the next steps in the insurance claims process.

| Insurance Company Name |

| --- |

| SAMSUNG FIRE AND MARINE INSURANCE COMPANY, LTD. |

| BROTHERHOOD MUTUAL INSURANCE COMPANY |

| MID-CENTURY INS COMPANY |

| ACE PROPERTY & CASUALTY INS CO |

| FIRST NONPROFIT INSURANCE COMPANY |

| ... |

This list provides the insurance company names along with their corresponding codes, which can be found in the motor vehicle accident report. It is important to refer to the official list to ensure accuracy when filing a claim.

New Jersey Police Code Grid

The New Jersey Police Code Grid is an important tool for interpreting a motor vehicle accident report. The grid contains numbered boxes, each with a corresponding code that represents specific information about the accident. This includes details such as the location, roadway type, surface and environmental conditions, traffic control, pre-accident actions, type of accident, safety equipment used, vehicle type and damage, and the physical status and injuries of those involved.

One important aspect of the New Jersey Police Code Grid is the identification of the individuals involved in the accident. Boxes 83 through 86 indicate the seating position, vehicle, ejection status, and condition of each individual after the crash. Boxes 87 and 88 provide information about the individual's age and sex, while boxes 89-91 detail the location and severity of any injuries and whether medical treatment was refused. Box 92 indicates the safety equipment available, and box 93 notes whether it was used. Box 94 specifies airbag deployment, and box 95 indicates whether the individual was transported to a hospital, with a corresponding code that can be looked up on the state's website.

Along the left and right sides of the grid are boxes 96 through 134, which provide additional information about the accident. These boxes include details such as road and environmental conditions, the number of vehicles involved, and the type of crash. Boxes 106 and 107 are specifically for commercial vehicle involvement, which is important as it affects legal options.

Boxes 118 through 134 play a crucial role in determining fault. If the numbers 25 (car) or 85 (pedestrian) appear, the officer has determined that the individual is not at fault. These boxes also outline contributing factors, such as unsafe speed or failure to observe traffic, and reveal if the drivers were under the influence or distracted. The lower boxes in this section indicate the type of collision, how it occurred, and the location of damage to the vehicles.

It is important to note that the New Jersey Police Code Grid may contain errors or inconsistencies. These can range from simple typos to transcription errors or disputed facts. Individuals should carefully review their report and, if necessary, request changes by respectfully contacting the officer and providing explanations or evidence to support the amendments.

New Jersey MVC insurance codes

For example, the New Jersey Manufacturers Insurance Company has an NJ MVC code of 426 and an NAIC number of 12122. Similarly, New Jersey Indemnity Insurance has an NJ MVC code of 042 and an NAIC number of 10978. These codes can usually be found on an individual's insurance ID card.

It's worth noting that not all insurance companies are listed by the same name on the NJ MVC's list of codes. For instance, Plymouth Rock, a group of companies doing business in New Jersey, will have different insurance codes for its customers based on how they purchased their policy. Customers can typically find their insurance code on their insurance card, which is often kept in the glove box of their vehicle.

When registering a car in New Jersey for the first time or renewing registration, individuals will generally need to provide their insurance company's name and code, social security number, current odometer reading, and New Jersey driver's license number. It is always a good idea to double-check with the NJ MVC to ensure you have all the required information before visiting in person.

NAIC insurance codes

The NAIC code is a 5-digit number that can be found on your insurance card. This code is usually printed on the ID card, though it may not be labelled. It is used to identify insurance companies in the event of a car accident.

After a car accident, there is a lot to process, especially when filing an insurance claim. If law enforcement was present at the scene, you should receive a copy of their accident report. This report will contain a code corresponding to the name of an insurance company. These codes can be confusing, but they are important for identifying which insurance company you need to contact.

In the state of New Jersey, for example, insurance codes are referenced to the New Jersey Police Code Grid, which provides important information about the accident. Boxes 118 and 119, for instance, contain numbers that indicate who caused the collision based on apparent contributing circumstances. It is important to note that this is the opinion of the police officer and that the official police report is never admitted into evidence to prove fault.

To find a specific insurance company, you can search for it on the NAIC website. However, it is important to remember that insurance companies may have different subsidiaries with different names, so it is always best to check your policy for the correct name. Additionally, you can contact your state's insurance department or visit their website to confirm if a company is licensed to operate in your state.

Plymouth Rock's underwriting companies

Plymouth Rock Assurance has been providing auto insurance and home insurance for over 40 years. The company offers exclusive benefits such as Get Home Safe® and Crashbusters® mobile claims service. Plymouth Rock Assurance is the brand name used by a group of separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states. These underwriting companies are separate legal entities that are each financially responsible for their own insurance products.

The Plymouth Rock Group of Companies, which includes these underwriting and managed insurance companies, has been rated A- ("Excellent") by A.M. Best, the insurance industry's leading independent rating service. This rating indicates the group's strong financial position. The group collectively handles over $2 billion in personal and commercial auto, motorcycle, homeowners, and umbrella insurance across six states: Connecticut, Massachusetts, New Hampshire, New Jersey, New York, and Pennsylvania.

While the specific insurance company corresponding to New Jersey Insurance Code 962 could not be definitively identified, it is likely one of the underwriting companies within the Plymouth Rock Group of Companies, as they are licensed to operate in New Jersey.

Frequently asked questions