N.J.A.C. Title 11, Chapter 3 (Automobile Insurance), Subchapters 1 (Commercial Automobile Insurance Plan), 2A (Special Automobile Insurance Policy), 3 (Basic Automobile Insurance Policy) and 46 (Urban Enterprise Zone Program)

What this document is

N.J.A.C. Title 11, Chapter 3 (Automobile Insurance), Subchapters 1 (Commercial Automobile Insurance Plan), 2A (Special Automobile Insurance Policy), 3 (Basic Automobile Insurance Policy) and 46 (Urban Enterprise Zone Program) is a regulation published by Cornell Legal Information Institute (law.cornell.edu), publication of the New Jersey Administrative Code (N.J.A.C.). It is one of the New Jersey documents that insurance license exam questions are written from, including new jersey property & casualty, new jersey personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• N.J.A.C. 11:3-3.4(d) (Coverages; mandatory and optional)

  “Basic policies shall not contain any other coverages, options, limits or deductibles other than those which are set forth in (a) through (c) above. Increased policy limits, the health insurance primary option for automobile medical expense coverage and uninsured/under-insured motorist coverages...”

• N.J.A.C. 11:3-2A.5(c) (Coverages)

  “The special automobile insurance policy shall not provide liability, collision, comprehensive, uninsured or underinsured motorist coverage.”

• N.J.A.C. 11:3-1.7(c) (PAIP eligibility)

  “No person shall, however, be deemed a PAIP qualified applicant, if the principal operator of the automobile to be insured does not hold a driver's license that is valid in this State; or if a regular operator of the automobile other than the principal operator does not hold such a license; or if...”

• N.J.A.C. 11:3-1.9(i) (Determination and fulfillment of PAIP quotas)

  “The Governing Committee shall establish procedures in the AIP plan of operation permitting an insurer by mutual agreement to transfer its obligations to accept assignments to another insurer (to be known as a LAD carrier). The basic contract to be entered into between insurers and LAD carriers,...”

• N.J.A.C. 11:3-1.1(b)2, 3 (Purpose and scope)

  “To establish a procedure for the equitable distribution of private passenger automobile risks to assigned companies as defined by the PAIP and as set forth in the AIP plan of operation; and 3. To establish a procedure with respect to all motor vehicles other than private passenger vehicles for the...”

• N.J.A.C. 11:3-1.10(d) (CAIP qualifications)

  “No producer shall bind a risk for CAIP or submit an application for insurance to CAIP if such producer knows that the risk currently has or has been offered coverage from the voluntary market.”

• N.J.A.C. 11:3-1.13(b) (Rates and policy forms)

  “Any risk with five or more vehicles not including trailers and semi-trailers shall be considered as a fleet.”

• N.J.A.C. 11:3-3.3(c) (Basic automobile insurance policy; general provisions)

  “If a named insured has elected basic automobile insurance coverage and other immediate family members or resident relatives of the named insured have higher policy limits under a standard policy, the provisions of N.J.S.A. 39:6A-4.2 shall apply and the named insured shall only be entitled to the...”

• N.J.A.C. 11:3-2A.4(a) (Eligibility for special automobile insurance policy)

  “The special automobile insurance policy shall only be available to individuals who are eligible for and enrolled in the Federal Medicaid program pursuant to N.J.S.A. 30:4D-3i(1) through (14).”

• N.J.A.C. 11:3-1.1(b)1 (Purpose and scope)

  “The purposes of this subchapter are: 1. To preserve to the public the benefits of price competition by encouraging maximum use of the voluntary insurance system;”

• N.J.A.C. 11:3-1.8(d)1, 2 (PAIP coverage)

  “All physical damage coverages shall be on an "actual cash value" basis, less deductible, subject to a maximum loss payable of $ 60,000, or such amount at which physical damage coverage may be placed in the surplus lines market as set forth on the exportable list promulgated by the Commissioner...”

• N.J.A.C. 11:3-46.4(a) (Qualified insurers)

  “An automobile insurer may apply to the Commissioner to be considered a qualified insurer for purposes of participating in the UEZ program. An automobile insurer seeking to become a qualified insurer shall demonstrate that it will actively conduct business in UEZ areas by filing plans and...”

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More New Jersey sources

• N.J.S.A. 17:29B-4: Unfair methods of competition and deceptive acts definedState statute
• N.J.S.A. Title 17 Chapter 1 - Department of Banking and Insurance; the Commissioner's powers (17:1-1 through 17:1-28, 23 sections)State statute
• N.J.S.A. Title 17 Chapter 16C - Retail Installment Sales Act (17:16C-1 through 17:16C-103, 125 sections)State statute
• N.J.S.A. Title 17 Chapter 1C - Department expenses, apportionment and assessment (17:1C-6.1 through 17:1C-48, 32 sections)State statute
• N.J.S.A. Title 17 Chapter 28 - Insurance policy provisions, including compulsory uninsured and underinsured motorist coverage (17:28-1 through 17:28-8, 16 sections)State statute
• N.J.S.A. Title 17 Chapter 29A - Rates and rating organizations (17:29A-1 through 17:29A-62, 73 sections)State statute
• N.J.S.A. Title 17 Chapter 29AA - Commercial insurance deregulation (17:29AA-1 through 17:29AA-34, 35 sections)State statute
• N.J.S.A. Title 17 Chapter 29B - Unfair trade practices in the business of insurance, complete chapter (17:29B-1 through 17:29B-19, 20 sections)State statute