N.J. Admin. Code Tit. 11, ch. 3 - AUTOMOBILE INSURANCE
- Subchapter 1 - COMMERCIAL AUTOMOBILE INSURANCE PLAN (§ 11:3-1.1 to 11:3-1.16)
- Subchapter 2 - RESERVED
- Subchapter 2A - SPECIAL AUTOMOBILE INSURANCE POLICY (§ 11:3-2A.1 to 11:3-2A.6)
- Subchapter 2B - RESERVED
- Subchapter 3 - BASIC AUTOMOBILE INSURANCE POLICY (§ 11:3-3.1 to 11:3-3.6)
- Subchapter 3A - REPORTING REQUIREMENTS AND FILING DEADLINES (§ 11:3-3A.1 to 11:3-3A.4)
- Subchapter 4 - PERSONAL INJURY PROTECTION BENEFITS; MEDICAL PROTOCOLS; DIAGNOSTIC TESTS (§ 11:3-4.1 to 11:3-4.10)
- Subchapter 5 - PERSONAL INJURY PROTECTION DISPUTE RESOLUTION (§ 11:3-5.1 to 11:3-5.12)
- Subchapter 6 - INSURANCE IDENTIFICATION CARDS (§ 11:3-6.1 to 11:3-6.5)
- Subchapter 7 - AUTOMOBILE REPARATION REFORM ACT (§ 11:3-7.1 to 11:3-7.6)
- Subchapter 8 - ACCEPTANCE, RENEWAL, NONRENEWAL AND CANCELLATION OF AUTOMOBILE INSURANCE POLICIES (§ 11:3-8.1 to 11:3-8.14)
- Subchapter 9 - RATING INFORMATION; AUTOMOBILE INSURANCE ON PRIVATE PASSENGER CARS (§ 11:3-9.1 to 11:3-9.2)
- Subchapter 10 - AUTO PHYSICAL DAMAGE CLAIMS (§ 11:3-10.1 to 11:3-10.10)
- Subchapter 11 - MOPED INSURANCE (§ 11:3-11.1)
- Subchapter 12 - AUTOMOBILE RATE FILERS: FLATTENING OF PREMIUM TAXES AND ASSESSMENTS MADE FOR UNSATISFIED CLAIM AND JUDGMENT FUND (§ 11:3-12.1 to 11:3-12.5)
- Subchapter 13 - COLLISION AND COMPREHENSIVE COVERAGE DEDUCTIBLES AND OPTIONS (§ 11:3-13.1 to 11:3-13.5)
- Subchapter 14 - PERSONAL INJURY PROTECTION OPTIONS FOR STANDARD POLICIES (§ 11:3-14.1 to 11:3-14.8)
- Subchapter 15 - BUYER'S GUIDE, COVERAGE SELECTION FORM, AND AUTOMOBILE INSURANCE CONSUMER BILL OF RIGHTS FOR STANDARD AND BASIC POLICIES (§ 11:3-15.1 to 11:3-15.11)
- Subchapter 16 - RATE FILING REQUIREMENTS: VOLUNTARY MARKET PRIVATE PASSENGER AUTOMOBILE INSURANCE (§ 11:3-16.1 to 11:3-16.16)
- Subchapter 16A - PRIVATE PASSENGER AUTOMOBILE INSURANCE TERRITORIAL RATING PLANS (§ 11:3-16A.1 to 11:3-16A.13)
- Subchapter 16B - RATE PROCESS FOR LIMITED RATE CHANGES; CALCULATIONS FOR PRIVATE PASSENGER AUTOMOBILE INSURANCE RATE CHANGES (§ 11:3-16B.1 to 11:3-16B.6)
- Subchapter 17 - RESERVED
- Subchapter 18 - PRIVATE PASSENGER AUTOMOBILE INSURANCE: RATE FILING REVIEW PROCEDURES (§ 11:3-18.1 to 11:3-18.7)
- Subchapter 19 - RESERVED
- Subchapter 19A - TIER RATING PLANS AND TIER PLACEMENT CRITERIA (§ 11:3-19A.1 to 11:3-19A.9)
- Subchapter 20 - REPORTING FINANCIAL DISCLOSURE AND EXCESS PROFITS (§ 11:3-20.1 to 11:3-20.13)
- Subchapter 20A - RESERVED
- Subchapter 21 - PERSONAL INJURY PROTECTION COVERAGE REDUCED PIP PREMIUM CHARGE FOR ADDITIONAL AUTOS IN ONE-DRIVER HOUSEHOLDS (§ 11:3-21.1 to 11:3-21.4)
- Subchapter 22 - COVERAGE OPTION SURVEY PERSONAL INJURY PROTECTION AND TORT THRESHOLD OPTIONS (§ 11:3-22.1 to 11:3-22.3)
- Subchapter 23 - RESERVED, version 2
- Subchapter 24 - DEFENSIVE DRIVING RATE REDUCTIONS (§ 11:3-24.1 to 11:3-24.6)
- Subchapter 25 - PRIVATE PASSENGER AUTOMOBILE INSURANCE: NOTIFICATION BY TREATING HEALTH CARE PROVIDERS (§ 11:3-25.1 to 11:3-25.10)
- Subchapter 26 - UNSATISFIED CLAIM AND JUDGMENT FUND: NOTICE OF INTENT (§ 11:3-26.1 to 11:3-26.2)
- Subchapter 27 - UNSATISFIED CLAIM AND JUDGMENT FUND BOARD (§ 11:3-27.1)
- Subchapter 28 - UNSATISFIED CLAIM AND JUDGMENT FUND'S REIMBURSEMENT OF EXCESS MEDICAL EXPENSE BENEFITS PAID BY INSURERS (§ 11:3-28.1 to 11:3-28.17)
- Subchapter 28A - RESERVED
- Subchapter 29 - MEDICAL FEE SCHEDULES: AUTOMOBILE INSURANCE PERSONAL INJURY PROTECTION AND MOTOR BUS MEDICAL EXPENSE INSURANCE COVERAGE (§ 11:3-29.1 to 11:3-29.6)
- Subchapter 30 - MOTOR VEHICLE SELF-INSURANCE (§ 11:3-30.1 to 11:3-30.10)
- Subchapter 31 - RESERVED
- Subchapter 32 - CERTIFICATION OF COMPLIANCE: MANDATORY LIABILITY COVERAGES (§ 11:3-32.1 to 11:3-32.4)
- Subchapter 33 - APPEALS FROM DENIAL OF AUTOMOBILE INSURANCE (§ 11:3-33.1 to 11:3-33.9)
- Subchapter 34 - ELIGIBLE PERSONS QUALIFICATIONS AND AUTOMOBILE INSURANCE ELIGIBILITY POINTS SCHEDULE (§ 11:3-34.1 to 11:3-34.5)
- Subchapter 35 THROUGH 35A - RESERVED
- Subchapter 36 - AUTOMOBILE PHYSICAL DAMAGE INSURANCE INSPECTION PROCEDURES (§ 11:3-36.1 to 11:3-36.12)
- Subchapter 37 - ORDER OF BENEFIT DETERMINATION BETWEEN AUTOMOBILE PERSONAL INJURY PROTECTION AND HEALTH INSURANCE (§ 11:3-37.1 to 11:3-37.14)
- Subchapter 38 - RESERVED, version 2
- Subchapter 39 - REDUCTIONS IN PREMIUM CHARGES FOR PRIVATE PASSENGER AUTOMOBILES EQUIPPED WITH ANTI-THEFT, VEHICLE RECOVERY AND SAFETY FEATURES (§ 11:3-39.1 to 11:3-39.8)
- Subchapter 40 THROUGH 44 - RESERVED
- Subchapter 45 - INSURERS REQUIRED TO PROVIDE SURVEY INFORMATION (§ 11:3-45.1 to 11:3-45.4)
- Subchapter 46 - AUTOMOBILE INSURANCE URBAN ENTERPRISE ZONE PROGRAM (§ 11:3-46.1 to 11:3-46.14)
- Subchapter 47 - RESERVED
Notes
Effective:
See: 54 N.J.R. 67(b).
CHAPTER HISTORICAL NOTE:
Chapter 3, New Jersey Automobile Insurance Plan, was adopted as R.1972 d.20, effective
Subchapter 7, Automobile Reparation Reform Act, was adopted as R.1972 d.244, effective
Subchapter 10, Auto Physical Damage Claims, was adopted as R.1976 d.46 and R.1976 d.47, effective
Pursuant to Executive Order No. 66(1978), Subchapter 8, Nonrenewal of Automobile Insurance Policies, was readopted as R.1983 d.190, effective
Subchapter 12, Automobile Rate Filers: Flattening of Premium Taxes and Assessments Made for the Unsatisfied Claim and Judgment Fund, was adopted as R.1983 d.424, effective
Subchapter 13, Automobile Rate Filers: Deductibles for Private Passenger Automobile Collision and Comprehensive Coverage, was adopted as R.1983 d.467, effective
Pursuant to Executive Order No. 66(1978), Subchapter 6, Insurance Identification Card, was readopted as R.1983 d.648, effective
Public Notice: Automobile Insurance Written Notice/Buyer's Guide Coverage Selection Form. See: 16 N.J.R. 254(d).
Subchapter 15, Standards for Written Notice: Buyer's Guide and Coverage Selection Form, was adopted as R.1984 d.114, effective
Subchapter 14, Personal Injury Protection Options, was adopted as R.1984 d.116, effective
The Executive Order No. 66(1978) expiration date of Subchapter 7, Automobile Reparation Reform Act, was extended by gubernatorial directive from August 17, 1984 to November 15, 1984, and was further extended by gubernatorial directive from November 15, 1984 to February 13, 1985. See: 17 N.J.R. 43(a).
Pursuant to Executive Order No. 66(1978), Subchapter 7, Automobile Reparation Reform Act, was readopted as R.1985 d., effective
Subchapter 17, Rating Organizations, was adopted as R.1985 d.609, effective
Pursuant to Executive Order No. 66(1978), Chapter 3, Automobile Insurance, was readopted as R.1985 d.654, effective
Subchapter 20, Reporting Financial Disclosure and Excess Profit Reports, was adopted as R.1986 d.111, effective
Subchapter 17, Rating Organizations, was repealed and Subchapter 17, Rating Organizations, was adopted as new rules by R.1986 d.419, effective
Subchapter 22, Coverage Option Survey: Personal Injury Protection and Tort Threshold Options, was adopted as R.1986 d.463, effective
Subchapter 23, Dangerous Drivers or Drivers with Excessive Claims, was adopted as R.1987 d.527, effective
Public Notice: Rescission of Circular Letter #75. See: 19 N.J.R. 570(e).
Subchapter 26, Accident Claims, Subchapter 27, Unsatisfied Claim and Judgment Fund Board, and Subchapter 28, Unsatisfied Claim and Judgment Fund's Reimbursement of Excess Medical Expense Benefits Paid by Insurers, were adopted as R.1989 d.268, effective
Subchapter 20, Reporting Financial Disclosure and Excess Profit Reports, was repealed and Subchapter 20, Reporting Financial Disclosure and Excess Profit Reports, was adopted as new rules by R.1989 d.277, effective
Subchapter 24, Policy Constants, and Subchapter 25, Residual Market Equalization Charges (RMECs), were adopted as R.1989 d.278, effective
Subchapter 20A, Standard Limiting Effect of Negative Excess Investment Income in the Computation of Excess Profits, was adopted as R.1989 d.306, effective
Subchapter 17, Rating Organizations, was repealed by R.1989 d.328, effective
Subchapter 30, Motor Vehicle Self-Insurance, was adopted as R.1989 d.584, effective
Subchapter 31, Examination of the Financial Experience of Private Passenger Automobile Insurers, was adopted as R.1990 d.108, effective
Subchapter 18, Private Passenger Automobile Insurance: Rate Filing Review Procedures, was adopted as R.1990 d.109, effective
Subchapter 16, Rate Filing Requirements: Voluntary Market Private Passenger Automobile Insurance, was adopted as R.1990 d.116, effective
Subchapter 1, Provisions and Operations, was repealed and Subchapter 1, Commercial Automobile Insurance Plan, was adopted as new rules by R.1990 d.118, effective
Subchapter 16A, Flex Rate Percentage Calculations for Private Passenger Automobile Insurance, was adopted as R.1990 d.161, effective
Subchapter 34, Eligible Persons Qualifications and Automobile Insurance Eligibility Points Schedule, was adopted as emergency new rules by R.1990 d.620, effective
Subchapter 36, Automobile Physical Damage Insurance Inspection Procedures, was adopted as emergency new rules by R.1990 d.622, effective
Subchapter 38, Towing and Storage Fee Schedule, was adopted as emergency new rules by R.1990 d.623, effective
Subchapter 29, Medical Fee Schedules: Automobile Insurance Personal Injury Protection Coverage, was adopted as emergency new rules by R.1990 d.624, effective
Subchapter 37, Order of Benefit Determination Between Automobile Personal Injury Protection and Health Insurance, was adopted as emergency new rules by R.1990 d.625, effective
Subchapter 35, Private Passenger Automobile Insurance Underwriting Rules, was adopted as emergency new rules by R.1990 d.627, effective
Subchapter 19, Standard/Non-Standard Rating Plans, was adopted as emergency new rules by R.1990 d.628, effective
Pursuant to Executive Order No. 66(1978), Chapter 3, Automobile Insurance, was readopted as R.1991 d.45, effective
Subchapter 24, Policy Constants, was repealed by R.1991 d.216, effective
Subchapter 25, Residual Market Equalization Charges (RMECs), was repealed by R.1991 d.217, effective
Subchapter 39, Reductions in Premium Charges for Private Passenger Automobiles Equipped with Anti-Theft, Vehicle Recovery and Safety Features, was adopted as R.1991 d.363, effective
Subchapter 33, Appeals from Denial of Automobile Insurance, was adopted as R.1992 d.192, effective
Subchapter 40, Insurers Required to Provide Automobile Insurance Coverage to Eligible Persons, was adopted as R.1992 d.207, effective
Subchapter 2, New Jersey Personal Automobile Insurance Plan, was adopted as new rules by R.1992 d.370, effective
Subchapter 3, Limited Assignment Distribution Servicing Carriers, was adopted as new rules by R.1992 d.371, effective
Subchapter 42, Producer Assignment Program, was adopted as emergency new rules by R.1992 d.381, effective
Subchapter 44, Special Rules for Effecting Coverage for Private Passenger Automobile Insurance, was adopted as emergency new rules by R.1993 d.135, effective
Subchapter 2B, Market Transition Facility of New Jersey Suspension of Claims, was adopted as emergency new rules by R.1994 d.164, effective
Subchapter 32, Certification of Compliance: Mandatory Liability Coverages, was adopted as R.1994 d.477, effective
Subchapter 31, Examination of the Financial Experience of Private Passenger Automobile Insurers, was repealed by R.1995 d.171, effective
Subchapter 45, Insurers Required to Provide Survey Information, was adopted as R.1995 d.235, effective
Pursuant to Executive Order No. 66(1978), Chapter 3, Automobile Insurance, was readopted as R.1996 d.58, effective
Subchapter 20A, Standard Limited Effect of Negative Excess Investment Income in the Computation of Excess Profits, was repealed by R.1996 d.312, effective
Subchapter 25, Private Passenger Automobile Insurance: Notification by Treating Health Care Providers, was adopted as new rules by R.1997 d.14, effective
Subchapter 24, Defensive Driving Rate Reductions, was adopted as new rules by R.1997 d.522, effective
Subchapter 28A, Unsatisfied Claim and Judgment Fund Assessments, was adopted as R.1997 d.535, effective
Subchapter 19A, Tier Rating Plans and Underwriting Rules, was adopted as R.1998 d.129, effective
Subchapter 46, Automobile Insurance Urban Enterprise Zone Program, was adopted as R.1998 d.290, effective
Subchapter 3, Basic Automobile Insurance Policy, was adopted as new rules by R.1998 d.592, effective
Subchapter 5, Personal Injury Protection Dispute Resolution, was adopted as new rules by R.1998 d.593, effective
Subchapter 4, Personal Injury Protection Benefits; Medical Protocols; Diagnostic Tests, was adopted as new rules by R.1998 d.597, effective
Subchapter 38, Towing and Storage Fee Schedule, was repealed by R.1999 d.1, effective
Pursuant to Executive Order No. 66(1978), Chapter 3, Automobile Insurance, was readopted as R.2001 d.44, effective
Subchapter 17, Rate Intervenor Rules, was adopted as new rules by R.2001 d.270, effective
Subchapter 16B, Rate Process For Limited Rate Changes; Calculations for Private Passenger Automobile Insurance Rate Changes, was adopted as new rules, by R.2001 d.481, effective
Subchapter 3A, Reporting Requirements and Filing Deadlines, was adopted as new rules, by R.2003 d.95, effective
Subchapter 2A, Special Automobile Insurance Policy, was adopted as new rules, by R.2003 d.497, effective
Subchapter 47, Insurance Scenarios, was adopted as new rules, by R.2004 d.118, effective
Subchapter 35A, Private Passenger Automobile Insurance--Use of Alternate Underwriting Rules, was adopted as new rules, by R.2004 d.165, effective
Subchapter 16A, Private Passenger Automobile Insurance Territorial Rating Plans, was adopted as new rules, by R.2005 d.126, effective
Chapter 3, Automobile Insurance, was readopted as R.2006 d.243, effective
Subchapter 12, Automobiled Rate Filers: Flattening of Premium Taxes and Assessments Made for Unsatisfied Claim and Judgment Fund, was renamed Automobile Rate Filers: Flattening of Premium Taxes, by R.2006 d.243, effective
Subchapter 17, Rate Intervenor Rules, was repealed by R.2006 d.243, effective
Subchapter 8, Renewal and Nonrenewal of Automobile Insurance Policies, was renamed Acceptance, Renewal, Nonrenewal and Cancellation of Automobile Insurance Policies; Subchapter 19A, Tier Rating Plans and Underwriting Rules, was renamed Tier Rating Plans and Tier Placement Criteria; and Subchapter 35, Private Passenger Automobile Insurance Underwriting Rules, Subchapter 35A, Private Passenger Automobile Insurance--Use of Alternate Underwriting Rules, Subchapter 40, Insurers Required to Provide Automobile Insurance Coverage to Eligible Persons, Subchapter 44, Special Rules for Effecting Coverage for Private Passenger Automobile Insurance and Subchapter 47, Insurance Scenarios, were repealed by R.2008 d.380, effective
In accordance with N.J.S.A. 52:14B-5.1b, Chapter 3, Automobile Insurance, was scheduled to expire on
Chapter 3, Automobile Insurance, was readopted as R.2014 d.004, effective
Subchapter 45, Insurers Required to Provide Survey Information, was repealed by R.2017 d.093, effective
Subchapter 1, Commercial Automobile Insurance Plan, and Subchapter 2, New Jersey Personal Automobile Insurance Plan, were repealed; and Subchapter 1, New Jersey Automobile Insurance Plan, was adopted as new rules by R.2018 d.064, effective
In accordance with N.J.S.A. 52:14B-5.1, Chapter 3, Automobile Insurance, was scheduled to expire on
CHAPTER AUTHORITY:
N.J.S.A. 17:1-8.1, 17:1-15.e, 17:17-1 et seq., and 39:6A-1 et seq.
State regulations are updated quarterly; we currently have two versions available. Below is a comparison between our most recent version and the prior quarterly release. More comparison features will be added as we have more versions to compare.
No prior version found.