New Jersey Administrative Code
Title 11 - INSURANCE
Chapter 3 - AUTOMOBILE INSURANCE
Subchapter 15 - BUYER'S GUIDE, COVERAGE SELECTION FORM, AND AUTOMOBILE INSURANCE CONSUMER BILL OF RIGHTS FOR STANDARD AND BASIC POLICIES
Section 11:3-15.8 - New Jersey Automobile Insurance Consumer Bill of Rights

Universal Citation: NJ Admin Code 11:3-15.8

Current through Register Vol. 56, No. 24, December 18, 2024

(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 Consumer Bill of Rights by Bulletin. Insurers shall provide the Consumer Bill of Rights, as revised, with new and renewal business 60 days after the date of the Bulletin.

(b) The Consumer Bill of Rights shall be reproduced in the format as presented on the website, duplicating the language provided therein, and to the extent practicable, the layout, fonts, type-point sizes, colors and illustrations. Notwithstanding the foregoing, all language bolded on the Consumer Bill of Rights as depicted on the Department's website shall be bolded and no type-point size less than 10 point shall be used.

(c) The Consumer Bill of Rights shall contain:

1. An overview containing the purpose of the Bill of Rights;

2. The consumer's obligations with regard to their insurance;

3. The duties of the insurer concerning the application process;

4. The consumer's general insurance rights regarding denials and right to purchase;

5. The consumer's right to appeal a cancellation of insurance;

6. Instructions on how to be an educated insurance consumer; and

7. A statement advising the insured or applicant that additional information concerning the Coverage Selection Form and Buyer's Guide is available by contacting the insurer or the producer.

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