New Jersey Administrative Code

The New Jersey Automobile Insurance Reform Act of 1982 (N.J.S.A. 17:29A-39) requires that each insurer offer a range of deductibles up to at least $ 2,000 for private passenger automobile collision and comprehensive coverage. This subchapter provides rules for the implementation …

This subchapter applies to every insurer authorized to transact the business of automobile insurance in this State and every rating organization engaged in the business of rate-making for such insurers. Notes N.J. Admin. Code § 11:3-13.2

(a) The minimum schedules of deductibles for private passenger automobile collision and comprehensive coverages which each insurer shall offer, pursuant to P.L. 2003, c. 89, N.J.S.A. 17:29A-39 are as follows: 1. Deductibles for collision coverage: $ 100.00 $ 750.00 $ 150.00 $ 1,0…

(a) The filing of a rating organization shall be applicable to the members and subscribers of the organization who have authorized the organization to file on their behalf. 1. Members or subscribers may submit to the Commissioner for approval a separate filing which deviates from…

(a) For purposes of this subchapter, a "named excluded driver" means a driver who is specifically identified in the endorsement as a person who is excluded from physical damage coverage for specified automobile(s) and whose operation of a specified automobile(s) covered under the…

This subchapter establishes rules for the provision of optional deductibles and benefits for personal injury protection offered under standard private passenger automobile insurance policies pursuant to N.J.S.A. 39:6A-4. Notes N.J. Admin. Code § 11:3-14.1 Amended by R.1989 d.117,…

This subchapter applies to every insurer, including any residual market mechanism created by any New Jersey statute, authorized to transact the business of automobile insurance in this State. Notes N.J. Admin. Code § 11:3-14.2 Amended by R.1990 d.580, effective 11/19/1990 (operat…

(a) With respect to personal injury protection under standard automobile insurance policies, issued pursuant to N.J.S.A. 39:6A-4, each insurer shall make available as an option, at appropriately reduced premiums, medical expense benefits in amounts of $ 150,000, $ 75,000, $ 50,00…

(a) Automobile insurers offering personal injury protection coverage pursuant to N.J.S.A. 39:6A-4 shall, at an appropriate reduced premium, provide the named insured the option to exclude all of the following benefits from such coverage: 1. Income continuation benefits; 2. Essent…

(a) Pursuant to N.J.S.A. 39:6A-4.3, for policies issued or renewed on or after January 1, 1991, an insurer shall provide the option that other health insurance coverage or benefits of the insured, including health care services provided by a health maintenance organization and an…

Every automobile insurer offering personal injury protection coverage shall establish a fair, practicable and non-discriminatory plan for the refund or application of credit of any unearned premium resulting from the selection of any deductible and/or exclusion option pursuant to…

(a) Every automobile filer shall submit to the Commissioner for approval filings of rates or manual rules which provide the optional medical expense benefit deductibles for personal injury protection coverage. (b) Within 30 days of the effective date of this subchapter, every aut…

When an insured or prospective insured elects to have a health insurer provide primary personal injury protection medical expenses benefits, the medical expenses benefits available to the insured under his or her automobile policy's personal injury protection provisions shall bec…

(a)N.J.S.A. 39:6A-23 requires the Commissioner of the Department of Banking and Insurance to promulgate standards for the written notice to be provided to applicants for private passenger automobile insurance and to policyholders offered renewal of coverage. This written notice i…

Notes N.J. Admin. Code § 11:3-15.10 Recodified from N.J.A.C. 11:3-15.9, R.1989 d.624, effective 12/18/1989 (operative January 1, 1990). See: 21 New Jersey Register 3244(a), 21 New Jersey Register 3922(a). Repealed by R.1998 d.595, effective 12/21/1998 (operative March 22, 1999). …

Notes N.J. Admin. Code § 11:3-15.11 New Rule, R.1989 d.117, effective 2/21/1989. See: 20 New Jersey Register 2984(a), 21 New Jersey Register 558(b). Recodified from N.J.A.C. 11:3-15.10, R.1989 d.624, effective 12/18/1989 (operative January 1, 1990). See: 21 New Jersey Register 32…

(a) This subchapter applies to every insurer authorized to transact the business of private passenger automobile insurance in this State and to any automobile residual market mechanism created by any New Jersey statute. (b) This subchapter applies to personal lines private passen…

The following words and terms, when used in this subchapter, shall have the following meanings, unless the context clearly indicates otherwise. "Basic automobile insurance policy" or "basic policy" means those private passenger automobile insurance policies issued in accordance w…

(a) No new private passenger automobile insurance policy or renewal shall be issued unless the application for the policy or renewal offer is accompanied by a Buyer's Guide, a Coverage Selection Form and an Automobile Insurance Consumer Bill of Rights that meet the minimum standa…

(a) There are established two Buyer's Guides for use by insurers: a personal lines Buyer's Guide and a commercial lines Buyer's Guide for individually owned vehicles written on commercial policies. The Buyer's Guides shall be available on the Department's website. 1. The personal…

(a) Each insurer shall have a separate Coverage Selection Form for the Standard Policy and for the Basic Policy using the text found in the Appendix, Exhibits 1 and 3 incorporated herein by reference. (b) The Coverage Selection Forms shall contain a statement advising the insured…

(a) For all new policies, an insurer or an insurance producer shall receive a Coverage Selection Form signed by the named insured and indicating the prospective insured's coverage choices. Coverage shall not become effective until the signed Coverage Selection Form is received fr…

(a) The insurer shall produce a Consumer Bill of Rights by reproducing the New Jersey Automobile Insurance Consumer Bill of Rights available on the Department's website at https://www.state.nj.us/dobi/siteindex.htm#IIS. The Department shall notify insurers of any changes to the C…

Failure to comply with the provisions of this subchapter may result in the imposition of penalties as prescribed by law. Notes N.J. Admin. Code § 11:3-15.9 New Rule, R.1989 d.624, effective 12/18/1989 (operative January 1, 1990). See: 21 New Jersey Register 3244(a), 21 New Jersey…

(a) This subchapter establishes data, filing format and standardized ratemaking information and methodology requirements for all private passenger automobile rate filings for the voluntary market, in implementation of N.J.S.A. 17:29A-1 et seq. and as required by N.J.S.A. 17:29A-3…

(a) Filers, except for rating organizations, shall provide all information related to the derivation of the profit and contingency loading contained in the filing by group of coverages. Filers shall specifically include all data used and judgments made, as well as a description o…

(a) Failure to submit the data and calculations required by this subchapter may result in a finding that the filing is incomplete. The Department shall promptly notify a filer of a finding that its filing is incomplete. (b) No finding that a filing is incomplete shall be based so…

Notes N.J. Admin. Code § 11:3-16.12 New Rule, R.1998 d.128, effective 3/2/1998. See: 29 N.J.R. 5240(a), 30 N.J.R. 828(a). Amended by R.2001 d.44, effective 2/5/2001. See: 32 N.J.R. 3891(a), 33 N.J.R. 573(a). In (a), amended the N.J.A.C. reference. Amended by R.2003 d.95, effectiv…

(a) In order for an insurer to incorporate a rating organization's prospective loss costs to establish its own rates, an insurer shall: 1. Be a participating insurer in the rating organization; and 2. File its loss cost multiplier using the Reference Filing Adoption Form (as set …

Notes N.J. Admin. Code § 11:3-16.14 Emergency New Rule, R.1990 d.621, effective 11/26/1990 (expired January 25, 1991). See: 22 New Jersey Register 3790(a). Adopted Concurrent Proposal, R.1991 d.91, effective 1/25/1991. See: 22 New Jersey Register 3790(a), 23 New Jersey Register 5…

Notes N.J. Admin. Code § 11:3-16.15 Recodified to N.J.A.C. 11:3-16.12 by R.2005 d.176, effective 6/6/2005. See: 36 N.J.R. 5640(a), 37 N.J.R. 2026(a). Section was "Voluntary written exposure and primary classification data".

Notes N.J. Admin. Code § 11:3-16.16 Recodified to N.J.A.C. 11:3-16.13 by R.2005 d.176, effective 6/6/2005. See: 36 N.J.R. 5640(a), 37 N.J.R. 2026(a). Section was "Prospective loss cost filing requirements for insurers".

The following words and terms, when used in this subchapter, shall have the following meanings, unless the context clearly indicates otherwise: "Accident year" means the 12-month period covering the occurrences during that period. "Affiliate" means an insurer that directly, or in…

(a) The data requirements set forth in this subchapter are minimum requirements. The filer may submit any other data it believes to be relevant in justifying proposed rate changes. If the filer has not collected portions of this information in the past, or has not collected it in…

(a) Informational filings shall be made by all insurers transacting private passenger automobile insurance in the voluntary market, including all individual members and subscribers of rating organizations, pursuant to N.J.S.A. 17:29A-36.2b. (b) The information filing shall consis…

Notes N.J. Admin. Code § 11:3-16.5 Emergency Amendment, R.1990 d.621, effective 11/26/1990 (expired January 25, 1991). See: 22 New Jersey Register 3790(a). Amended to implement provisions of the Fair Automobile Insurance Reform Act of 1990, P.L. 1990, c.8. Adopted Concurrent Prop…

(a) Any filer that desires to modify its rates or rating systems in a manner other than that provided at N.J.S.A. 17:29A-46.6 shall provide the following standard information in support of its application: 1. A cover letter notifying the Department of its intention to modify its …

Notes N.J. Admin. Code § 11:3-16.7 Emergency Repeal and New Rule, R.1990 d.621, effective 11/26/1990 (expired January 25, 1991). See: 22 New Jersey Register 3790(a). Formerly entitled Rating Organization Filings; new rule to implement section 69 of the Fair Automobile Insurance R…

(a) Filers shall provide the following data regarding New Jersey premium, loss costs, loss and loss adjustment expenses. Data shall be by coverage for the latest three calendar-accident years, or fiscal-accident years, at either total limits or basic limits, where applicable. Fil…

(a) Filers, not including rating organizations, shall provide the following data regarding expenses, by group of coverages: 1. All information related to the selected expense provisions, specifically including all data used and judgments made; 2. Average expense ratios by line of…

(a) This subchapter sets forth the standards and requirements for the establishment of territory maps by insurers, rating organizations, and the Automobile Insurance Territorial Rating Plan Advisory Commission, pursuant to N.J.S.A. 17:29A-48 et seq. and 17:29A-36, and for the ame…

Failure to comply with the provisions of this subchapter shall result in the imposition of penalties as authorized by law. Notes N.J. Admin. Code § 11:3-16A.10 The following annotation applies to N.J.A.C. 11:3-16A.10 prior to its repeal by R.2010 d.251: New Rule, R.2008 d.31, eff…

Notes N.J. Admin. Code § 11:3-16A.11 New Rule, R.2008 d.31, effective 2/4/2008. See: 39 N.J.R. 13(a), 40 N.J.R. 786(a). Repealed by R.2010 d.251, effective 11/1/2010. See: 42 N.J.R. 1469(a), 42 N.J.R. 2632(a). Section was "TREE governing committee".

Notes N.J. Admin. Code § 11:3-16A.12 New Rule, R.2008 d.31, effective 2/4/2008. See: 39 N.J.R. 13(a), 40 N.J.R. 786(a). Repealed by R.2010 d.251, effective 11/1/2010. See: 42 N.J.R. 1469(a), 42 N.J.R. 2632(a). Section was "TREE Plan of Operation".

Notes N.J. Admin. Code § 11:3-16A.13 Recodified to N.J.A.C. 11:3-16A.10 by R.2010 d.251 effective 11/1/2010. See: 42 N.J.R. 1469(a), 42 N.J.R. 2632(a). Section was "Penalties".

The following words and terms, when used in this subchapter, shall have the following meanings, unless the context clearly indicates otherwise. "Basic automobile insurance policy" or "basic policy" means a private passenger automobile insurance policy issued in accordance with N.…

(a) Every insurer, including the PAIP, shall have an approved territorial rating plan, which shall include a territory map, territorial relativity factors and territorial base rates that are in accordance with the provisions of N.J.S.A. 17:29A-48 et seq. and 17:29A-36, and this s…