New Jersey Administrative Code
Title 11 - INSURANCE
Chapter 3 - AUTOMOBILE INSURANCE
Subchapter 46 - AUTOMOBILE INSURANCE URBAN ENTERPRISE ZONE PROGRAM
Appendix - APPENDIX
Current through Register Vol. 56, No. 6, March 18, 2024
| $ GZip Code | Town | County | Territory |
| $ | |||
| 07302 | Jersey City | Hudson | 1 |
| 07303 | Jersey City | Hudson | 1 |
| 07304 | Jersey City | Hudson | 1 |
| 07305 | Jersey City | Hudson | 1 |
| 07306 | Jersey City | Hudson | 1 |
| 07307 | Jersey City | Hudson | 1 |
| 07309 | Jersey City | Hudson | 1 |
| 07310 | Jersey City | Hudson | 1 |
| 07311 | Jersey City | Hudson | 1 |
| 07047 | N. Bergen | Hudson | 1 |
| 07087 | Union City/Weehawken | Hudson | 1 |
| 07093 | West New York/Guttenberg | Hudson | 1 |
| 07101 | Newark | Essex | 2 |
| 07102 | Newark | Essex | 2 |
| 07103 | Newark | Essex | 2 |
| 07104 | Newark | Essex | 2 |
| 07105 | Newark | Essex | 2 |
| 07106 | Newark | Essex | 2 |
| 07107 | Newark | Essex | 2 |
| 07108 | Newark | Essex | 2 |
| 07112 | Newark | Essex | 2 |
| 07114 | Newark | Essex | 2 |
| 07011 | Clifton | Passaic | 3 |
| 07012 | Clifton | Passaic | 3 |
| 07013 | Clifton | Passaic | 3 |
| 07014 | Clifton | Passaic | 3 |
| 07026 | Garfield | Bergen | 3 |
| 07506 | Hawthorne | Passaic | 3 |
| 07507 | Hawthorne | Passaic | 3 |
| 07424 | Little Falls/W. Paterson | Passaic | 3 |
| 07055 | Passaic | Passaic | 3 |
| 07501 | Paterson | Passaic | 3 |
| 07502 | Paterson | Passaic | 3 |
| 07503 | Paterson | Passaic | 3 |
| 07504 | Paterson | Passaic | 3 |
| 07505 | Paterson | Passaic | 3 |
| 07509 | Paterson | Passaic | 3 |
| 07510 | Paterson | Passaic | 3 |
| 07513 | Paterson | Passaic | 3 |
| 07514 | Paterson | Passaic | 3 |
| 07522 | Paterson | Passaic | 3 |
| 07524 | Paterson | Passaic | 3 |
| 07533 | Paterson | Passaic | 3 |
| 07543 | Paterson | Passaic | 3 |
| 07544 | Paterson | Passaic | 3 |
| 07057 | Wallington | Bergen | 3 |
| 07201 | Elizabeth | Union | 4 |
| 07202 | Elizabeth | Union | 4 |
| 07206 | Elizabeth | Union | 4 |
| 07207 | Elizabeth | Union | 4 |
| 07208 | Elizabeth | Union | 4 |
| 08601 | Trenton | Mercer | 6 |
| 08602 | Trenton | Mercer | 6 |
| 08603 | Trenton | Mercer | 6 |
| 08605 | Trenton | Mercer | 6 |
| 08607 | Trenton | Mercer | 6 |
| 08608 | Trenton | Mercer | 6 |
| 08609 | Trenton | Mercer | 6 |
| 08611 | Trenton | Mercer | 6 |
| 08618 | Trenton | Mercer | 6 |
| 08629 | Trenton | Mercer | 6 |
| 08638 | Trenton | Mercer | 6 |
| 08030 | Gloucester | Camden | 7 |
| 08101 | Camden | Camden | 7 |
| 08102 | Camden | Camden | 7 |
| 08103 | Camden | Camden | 7 |
| 08104 | Camden | Camden | 7 |
| 08105 | Camden | Camden | 7 |
| 08861 | Perth Amboy | Middlesex | 8 |
| 08862 | Perth Amboy | Middlesex | 8 |
| 08401 | Atlantic City | Atlantic | 19 |
| 07109 | Belleville | Essex | 22 |
| 07111 | Irvington | Essex | 22 |
| 07017 | E. Orange | Essex | 38 |
| 07018 | E. Orange | Essex | 38 |
| 07019 | E. Orange | Essex | 38 |
| 07050 | Orange City | Essex | 38 |
| 07051 | Orange City | Essex | 38 |
| 07061 | Plainfield | Union | 39 |
| 07062 | Plainfield | Union | 39 |
| 07063 | Plainfield | Union | 39 |
| 08901 | New Brunswick | Middlesex | 40 |
| 08903 | New Brunswick | Middlesex | 40 |
| 08906 | New Brunswick | Middlesex | 40 |
Exhibit B
Calculation of UEZ Shares:
1. In-Force Exposures reported by zip code are combined for individual companies that are part of a group. Also, the in-force exposures reported for individual zip codes are combined for all UEZs.
2. The "Statewide Market Share" for an automobile insurer is calculated by dividing the total number of in-force exposures reported on the quarterly in-force report minus the total number of exposures in UEZs as of September 30 by the total number of in-force exposures in the state.
3. The "Individual UEZ Share" is the number of exposures a company or group should be writing in all UEZs combined. The Individual UEZ Share is calculated by multiplying an automobile insurer's statewide market share times the total number of exposures in all the UEZ's.
4. Each automobile insurer's "Individual UEZ Shortfall" is calculated by subtracting the number of its in-force exposures in all UEZs from its Individual UEZ share. A negative number indicates that the company exceeded its statewide market share in that UEZ. Example:
To illustrate how these calculations are made, the example below uses two automobile insurers. Group A consists of Company 1 and Company 2. Company B is a single company. Two municipalities, E. Orange and Elizabeth, are used in the example to represent all UEZs.
In-Force Exposures Reported to Department
| Group A | |||||
| Zip Code | Town | Company 1 | Company 2 | Group | Company B |
| Atotal | |||||
| 07017 | E. Orange | 91 | 7 | 98 | 38 |
| 07018 | E. Orange | 39 | 10 | 49 | 24 |
| 07019 | E. Orange | 4 | 6 | 10 | 8 |
| total | E. Orange | 157 | 70 | ||
| 07201 | Elizabeth | 4 | 6 | 10 | 78 |
| 07202 | Elizabeth | 71 | 13 | 84 | 253 |
| 07206 | Elizabeth | 114 | 13 | 127 | 61 |
| 07207 | Elizabeth | 14 | 0 | 14 | 136 |
| 07208 | Elizabeth | 7 | 2 | 9 | 125 |
| total | Elizabeth | 244 | 653 | ||
In-Force Exposures for Individual Zip Code and Insurer Groups Combined
| Total In-Force | |||
| Group A | Company B | Exposures in | |
| UEZ | |||
| All UEZs | 401 | 723 | 60,000 |
Calculation of Statewide Market Share
| Total In-Force | |||
| Group A | Company B | Exposures in | |
| State | |||
| Total in-force | 242,000 | 49,000 | 4,400,000 |
| less UEZs | 401 | 723 | |
| 241,599 | 48,277 | ||
| Market share | 5.51% | 1.10% |
Calculation of Individual UEZ Shares
| Group A | Company B | |
| UEZ in-force | 3,295 | 658 |
Calculation of Individual UEZ Shortfalls
| Group A | Company B | |
| UEZ in-force | 401 | 723 |
| UEZ Share | 3,295 | 658 |
| Total Shortfall | 2,894 | - 65 |
