New Jersey Administrative Code
Title 11 - INSURANCE
Chapter 1 - ADMINISTRATION
Subchapter 45 - NOTICE TO POLICYHOLDERS OF PERSONAL LINES INSURANCE RATE INCREASES
Section 11:1-45.2 - Definitions

The following words and terms, as used in this subchapter, shall have the following meanings, unless the context clearly indicates otherwise:

"Commissioner" means the Commissioner of the New Jersey Department of Banking and Insurance.

"Consumer insurance rate increase" means a prior approval rate filing that:

1. For private passenger automobile insurance, would result in an increase in rates for any group of coverages, as defined in 11:3-16.2;

2. For homeowners' insurance, would result in an increase in rates for any policy form, that is, owners, tenants, or condominiums;

3. For personal lines property/casualty coverages, other than as set forth in 1 and 2 above, would result in a positive base rate change; and

4. For Medicare Supplement coverages, would result in an increase for any of the standard coverage plans A through L or for any non-standard policy or certificate form used by the filer.

"Department" means the New Jersey Department of Banking and Insurance.

"Division of Rate Counsel" means the division which pursuant to P.L. 2010, c. 34 (N.J.S.A. 52:27EE-46 et seq., as amended) is in, but independent of, the Department of the Treasury of New Jersey.

"Insurer" means an entity authorized or admitted to transact insurance in this State pursuant to Titles 17 or 17B of the New Jersey Statutes.

"Medicare Supplement coverage" means coverage under a Medicare supplement policy, as defined in N.J.S.A. 17B:26A-1e.

"Personal lines prior approval rate increase" means an increase in rates for personal lines property/casualty coverages, which are those coverages listed in paragraphs 1 through 3 in the definition "consumer insurance rate increase" above in this section.

"Personal lines property/casualty coverages" means insurance issued for personal, family or household purposes, as set forth at 11:13-1.2(a)2.

"Private passenger automobile insurance" means direct insurance on an "automobile," as defined in 39:6A-2.

"Rating organization" means every person or persons, corporation, partnership, company, society, or association engaged in the business of ratemaking for two or more insurers, and licensed as such pursuant to 17:29A-2.