NJ Auto Insurance consumers have control over a variety of factors that influence the cost of auto insurance. Before you buy, check out:

NJ Auto Insurance Rating Examples

• Principal Operator
• Driver Training, no good student discount
• No accidents within the past 3 years
• No motor vehicle violations within the past 3 years
• Pleasure use (12,000 annual miles)
• Verbal Threshold
• $250,000 Standard Personal Injury Protection (PIP), $250 deductible
• With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
• Without any defensive driving course discount
• Liability only policy:
  • Bodily Injury limits of $15,000/$30,000
  • Property Damage liability $5,000 (or combined single limit of $35,000)
• Uninsured Motorist Coverage:
  • Bodily Injury limits of $15,000/$30,000
  • Property Damage liability $5,000 (or Combined Single Limit of $35,000)
• 2003 Buick Century Custom – 4 door sedan
• ISO rating symbol 8

NJ Auto Insurance Example 1-B

Driver: Use same criteria as 1-A, except one at-fault accident
 
Example 2-A
Driver: Married couple, both between ages of 30 and 49 with newly licensed 17-year-old daughter in household

• No driver training, no good student discount
• No accidents within the past 3 years
• No motor vehicle violations within the past 3 years
• Pleasure use (12,000 annual miles)
• Verbal Threshold
• $250,000 Standard Personal Injury Protection (PIP), $250 deductible
• With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
• Without any defensive driving course discount
• Liability:
  • Bodily Injury limits of $100,000/$300,000
  • Property Damage liability $25,000 (or combined single limit of $300,000)
• Uninsured Motorist Coverage:
  • Bodily Injury limits of $100,000/$300,000
  • Property Damage liability $25,000 (or combined single limit of $300,000)
• 2003 Buick Century Custom – 4 door sedan
• ISO rating symbol 8
• $750 deductibles for Comprehensive and Collision

NJ Auto Insurance Example 2-B
Driver: Use same criteria as 2-A, except husband has one at-fault accident
NJ Auto Insurance Example 3-A
Driver: Married couple, both between ages of 30 and 49

• 2 vehicles on policy and no inexperienced operator in household
• No accidents with the past 3 years
• No motor vehicle violations within the past 3 years
• Continuous insurance with same company for 10 years
• Car #1: Driven by husband to work 10 or more miles, 20,000 annual miles
• Car #2: Driven by wife to work less than 3 miles, 12,000 annual miles
• Verbal Threshold
• $250,000 Standard Personal Injury Protection (PIP), $250 deductible
• With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
• Without any defensive driving course discount
• Liability:
  • Bodily Injury limits of $100,000/$300,000
  • Property Damage liability $25,000 (or combined single limit of $300,000)
• Uninsured Motorist Coverage:
  • Bodily Injury limits of $100,000/$300,000
  • Property Damage liability $25,000 (or combined single limit of $300,000)
• Car #1: 2003 Buick Century Custom – 4 door sedan, ISO rating symbol 8
• Car #2: 1999 Chevrolet Astro Van 4 x 2, ISO rating symbol 6
• $750 deductible for Comprehensive only

NJ Auto Insurance Example 3-B

Driver: Use same criteria as 3-A, except husband has a four-point moving violation and two

comprehensive claims over $750 each; wife has one at-fault accident

NJ Auto Insurance  Example 3-C

Driver: Use same criteria as 3-A, except:

 

• Have no at-fault or not at-fault accidents within the past 5 years
• No motor vehicle violations within the past 5 years
• No Schedule 1 offense (refer to N.J.A.C. 11:3-34.5) within 5 years
• Has no comprehensive claims, including theft, within 5 years
• One operator has at least 20 years of driving experience
• Has companion policy
   

• No accidents within the past 3 years
• No motor vehicle violations within the past 3 years
• Pleasure use (12,000 annual miles)
• Verbal Threshold
• $250,000 Standard Personal Injury Protection (PIP), $250 deductible
• With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
• Without any defensive driving course discount
• Liability:
  • Bodily Injury limits of $100,000/$300,000
  • Property Damage liability $25,000 (or combined single limit of $300,000)
• Uninsured Motorist Coverage:
  • Bodily Injury limits of $100,000/$300,000
  • Property Damage liability $25,000 (or combined single limit of $300,000)
• 2003 Buick Century Custom – 4 door sedan
• ISO rating symbol 8
• $750 deductibles for Comprehensive and Collision

• No accidents within the past 3 years
• No motor vehicle violations with the past 3 years
• Please use (12,000 annual miles)
• Verbal Threshold
• $250,000 Standard Personal Injury Protection (PIP), $250 deductible
• With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
• Without any defensive driving course discount
• Liability:
  • Bodily Injury limits of $100,000/$300,000
  • Property Damage liability $25,000 (or combined single limit of $300,000)
• Uninsured Motorist Coverage:
  • Bodily Injury limits of $100,000/$300,000
  • Property Damage liability $25,000 (or combined single limit of $300,000)
• 2002 Saturn Sedan L300
• ISO rating symbol 10
• $750 deductibles for comprehensive and collision

• No at-fault or not-at-fault accidents within the past 5 years
• No motor vehicle violations within the past 5 years
• No Schedule 1 offenses (refer to N.J.A.C. 11:3-34.5) within 5 years
• Has no comprehensive claims, including theft, within 5 years

• No motor vehicle points within 3 years
• No at-fault or not-at-fault accidents within the past 3 years
• Drive to work less than 3 miles; 10,000 annual miles
• Verbal Threshold
• $250,000 Standard Personal Injury Protection (PIP), $250 deductible
• With a Category II Anti-theft device discount, and active seatbelt and dual airbags (front only)
• Without any defensive driving course discount
• Liability:
  • Bodily Injury limits of $15,000/$30,000
  • Property Damage liability $5,000 (or combined single limit of $35,000)
• Uninsured Motorist Coverage:
  • Bodily Injury limits of $15,000/$30,000
  • Property Damage liability $5,000 (or combined single limit of $35,000)
• 2003 Buick Century Custom – 4 door sedan
• ISO rating symbol 8
• $750 deductibles for Comprehensive and Collision

• Bodily Injury limits of $100,000/$300,000
• Property Damage liability $25,000
• No motor vehicle points within 3 years
• No at-fault or not-at-fault accidents within the past 3 years

• No motor vehicle points within the past 3 years
• No at-fault or not-at-fault accidents with the past 3 years
• Drive to work less than 3 miles; 10,000 annual miles
• Standard Tier (1.00)
• With active seatbelt and dual airbags (front only)
• Without any defensive driving course discount
• 1 year with company
• BASIC POLICY
  • $5,000 Property Damage
  • $15,000 Personal Injury Protection (PIP)
  • No physical damage coverage
  • No optional Bodily Injury coverage

Selecting Your NJ Health Insurer for NJ PIP Option

• Does your health coverage cover injuries from automobile accidents?
  
  Health coverage may be issued by an insurance company, an HMO or a self-funded plan. Since self-funded plans and plans issued out of state may exclude coverage for injuries resulting from auto accidents, you should make sure that your health coverage will provide benefits for automobile accident injuries. If you are covered by any of the insurers or HMO listed here, you may be eligible for this cost-saving option. Other insurers and self-funded plans might also cover automobile accident injuries. Contact your employee benefits department to determine if your health coverage provides benefits for automobile accident injuries.
  
   
• What limits and deductibles apply?
  
  Your health carrier will provide benefits for injuries from auto accidents subject to the deductibles, coinsurance, copayments and benefit maximums (if any) of your health plan. If your health plan covers your spouse or family, these cost-sharing features will also apply to them. In short, your health carrier will provide benefits for injuries from auto accidents in the same manner that it covers injuries from other causes.
  
   
• What about expenses not covered by my health care plan?
  
  Your automobile insurer will pay for necessary expenses not covered by your health care plan, including the deductible, coinsurance, co payment and amounts above the benefit maximum of your health plan, and will also pay for passengers and others not covered by your health care plan. However, this payment will be reduced by the deductible, benefit maximums and other cost-sharing provisions of your PIP coverage.
  
   
• What if I lose my health coverage?
  
  If you are in an accident and your health coverage is no longer in effect, your auto insurer will pay PIP medical benefits. However, you will be required to pay an additional $750 deductible.
  
   
• How do I choose the health coverage option?
  
  This is done by selecting the "health insurer for PIP option" on the Coverage Selection Form provided when you apply for or renew your auto insurance. You will need to know the name and policy number of your health care plan to answer that question on the Coverage Selection Form.
   

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Health Insurers that May Provide Coverage for Auto Accident Injuries
• NJ Large Group Insurers

  
  Aetna Life Insurance Company
  AmeriHealth Insurance Co of New Jersey
  Connecticut General Life Insurance Co
  Guardian Life Insurance Co of America
  GE Group Life Insurance Co
  Mutual/United of Omaha Insurance Companies
  Nippon Life Insurance Co of America
  Oxford Health Insurance Co
  Trustmark Insurance Co
  UniCare Life & Health Insurance Co
  United HealthCare Insurance Co
  Wellchoice Insurance Co of New Jersey


 
NEW JERSEY Insurance
NJ Auto Insurance NJ AUTO PHYSICAL DAMAGE CLAIMS
11:3-10.1 Scope
This subchapter applies to claims arising under motor vehicle collision and comprehensive coverages.
11:3-10.2 Definitions
The following words and terms, when used in this subchapter, shall have the following meanings unless the context clearly
indicates otherwise:
"Actual cash value", unless otherwise specifically defined by law or policy, means the lesser of the amounts for which the
insured or the designated representative can reasonably be expected to:
1. Repair the motor vehicle to its condition immediately prior to the loss; or
2. Replace the motor vehicle with a substantially similar vehicle. The amount shall include all moneys paid or payable as
sales taxes on the motor vehicle repaired or replaced. This paragraph shall not be construed to prevent an insurer from
issuing a policy where the amount of damages to be paid in the event of a total loss is a specified dollar amount.
"Agreed price" or "figure" means the amount agreed to by the insurer and the insured, or their representatives, as the
reasonable cost to replace the motor vehicle or to repair damages to the motor vehicle resulting from the loss, without
considering any deductible or deductions.
"Designated representative" means a person designated by the insured to represent the insured in negotiations with the
insurer in an attempt to settle the claim. The designated representative may be any person authorized by the insured who may
act legally in his or her behalf.
"Motor vehicle" shall have the meaning ascribed in N.J.S.A. 39:1-1.
"Substantially similar vehicle" means a vehicle of the same make, model, year and condition, including all major options of
the insured vehicle. Mileage must not exceed that of the insured vehicle by more than 4,000 miles. Mileage differences of
more than 4,000 miles may, at the option of the insured, be exchanged for the presence or absence of options or a cash
adjustment.
11:3-10.3 Adjustment of partial losses
(a) If the insurer intends to exercise its right to inspect, or cause to be inspected by an independent appraiser, damages prior
to repair, the insurer shall have seven working days following receipt of notice of loss to inspect the insured's damaged
vehicle, which is available for inspection, at a place and time reasonably convenient to the insured; commence negotiations;
and make a good faith offer of settlement.
(b) Negotiations must be conducted in good faith, with the basic goal of promptly arriving at an agreed price. Early in
negotiations, the insurer must inform and confirm in writing to the insured or the insured's designated representative all
deductions that will be made from the agreed price, including the amount of applicable deductible.
(c) If the insurer inspects the damaged vehicle or causes it to be inspected, the insurer shall promptly upon completing the
inspection furnish the insured or the designated representative of the insured with a detailed written estimate of the cost of
repairing the damage resulting from the loss, specifying all appropriate deductions.
(d) No insurer shall negotiate the settlement of any physical damage claim involving an automobile as defined at N.J.S.A.
39:13-1b with an unlicensed auto body repair facility or in any manner utilize an unlicensed facility in the adjustment,
negotiation or settlement of such a claim. It shall be the responsibility of the insurer to make a reasonable and diligent effort
to determine whether the facility is properly licensed.
(e) Subject to the requirements of (d) above, the insured may use any repair facility of his or her own choice. With respect to
automobile damage claims, the insurer shall notify in writing any insured who elects to use his or her own repair facility that,
pursuant to law, any entity engaged in the business of auto body repairs must be duly licensed. The notice shall further
advise the insured that the insurer is prohibited by law from negotiating, adjusting or settling an automobile damage claim
with an unlicensed facility. The written notice shall be furnished at the time of acknowledgment of the claim as provided at
N.J.A.C. 11:2-17.6 or upon the furnishing of its written estimate, as specified at (c) above, whichever is sooner. The insurer
must make all reasonable efforts to obtain an agreed price with the facility selected by the insured. The insurer may
recommend, and if the insured requests, must recommend a qualified repair facility at a location reasonably convenient to the
insured motor vehicle who will repair the damaged motor vehicle at the insurer's estimated cost of repairs, but in either event
the provisions of (g) below apply.
(f) All estimates, including revisions and adjustments, prepared by any repair facility, estimator or appraiser must be
included in each claim file.
(g) If the insured's vehicle is repaired at a repair facility whose name is furnished by the insurer under (e) above for a sum
estimated by the insurer as the reasonable cost to repair the vehicle, the insurer:
1. Shall select a repair facility that issues written guarantees that any work performed in repairing damaged vehicles meets
generally accepted standards for safe and proper repairs;
2. Shall cause the damaged vehicle to be restored to the condition it was in prior to the loss, at no additional cost to the
insured and within a reasonable time, if the repair facility does not repair the damaged vehicle in accordance with generally
accepted standards for a safe and proper repair.
(h) Whenever an insurer elects to repair its insured's vehicle, that is, physically take the vehicle and have it repaired, the
election must be in writing addressed to the insured and contain a reasonable estimate of the time period within which the
vehicle will be repaired. The insurer shall guarantee, in writing, that the work performed meets generally accepted standards
for safe and proper repairs.
(i) Deductions for betterment and depreciation are permitted only for parts normally subject to repair and replacement during
the useful life of the insured motor vehicle. Deductions for betterment and depreciation shall be limited to the lesser of an
amount equal to the proportion that the expired life of the part to be repaired or replaced bears to the normal useful life of that
part, or the amount by which the resale value of the vehicle is increased by the repair or replacement. Calculations for
betterment, depreciation and normal useful life must be included in the insurer's claim file.
(j) Deductions for previous damage or prior condition of the vehicle must be measurable, discernible, itemized and specific
as to the dollar amount, and those deductions must be included in the insurer's claim file. The deductions shall be limited to
the amount by which the resale value of the motor vehicle is increased by the estimation of the previous damage or the
correction of the prior condition.
(k) The insurer must mail or hand deliver to the insured or the designated representative its proof of loss or payment within
five working days after the insured has accepted the insurer's offer.
(l) The insured shall have the right to receive the proceeds of any settlement. The insurer may not insist on making
settlement proceeds jointly payable to the insured and the repair facility, or payable to the repair facility only.
(m) The insured may elect to have the insurer pay the repair facility directly in order to expedite recovery of the motor
vehicle. The insured must make this election in writing.
11:3-10.4 Adjustment of total losses
(a) If the insurer elects to make a cash settlement, it must bear in mind at all times that the insured's position is that of a
retail consumer and the settlement value arrived at must be reasonable and fair for a person in that position. Written,
itemized valuations showing all options and deductions shall be included in the insurer's claim file and presented to the
insured no later than the date of payment. If the insurer elects to make a cash settlement, its offer, subject to applicable
additions or deductions, must be one of the following plus applicable sales tax:
1. The average of the retail values for substantially similar motor vehicles as listed in the editions current for the date of loss
of two valuation manuals approved by the Commissioner.
i. The average figure arrived at may be reduced or increased by considering all factors, including, but not limited to,
mileage tables and the presence or absence of extras.
ii. If the destroyed vehicle included an option which is listed in one manual but not in the other, the value of the option shall
not be averaged. The insured shall receive full value for the option by carrying over the amount listed to the other manual.
The option carryover shall apply only in those instances where the option has not been considered by the used vehicle guide
either as a separate item or included in the vehicle's base value.
iii. If a manual is submitted for approval by the Commissioner its accuracy must meet objective criteria for the values of
substantially similar vehicles of at least 85 percent of all makes and models for the last 15 years and shall include all major
options. A sufficient number of vehicles shall be used for each year, make and model to represent a cross-section sufficient
to determine fair market values. At the time of request for approval, the source of the manual's data must be revealed to the
Commissioner in a manner that can be verified by the Department. Manuals approved for use on or after January 1, 1976 are
"Automobile Red Book" and "Older Car/Truck Red Book" published by Maclean Hunter Market Reports, Inc. and the
"N.A.D.A. Official Used Car Guide" and "N.A.D.A. Official Older Car Guide" published by the National Automobile
Dealers Used Car Guide Company.
2. A quotation obtained by the insurer for a substantially similar motor vehicle from a dealer located within a reasonable
distance from the principal place of garagement of the insured vehicle. Unless otherwise agreed by the insured, a reasonable
distance shall not exceed 25 miles from the principal place of garagement. The vehicle must be available for purchase by the
insured and the insured must be able to purchase it for the insurer's cash offer plus applicable deductions. The insurer shall
maintain in its claim file proof of the vehicle's availability and the name and location of the dealer, stock number, vehicle
identification number and description of the substantially similar vehicle.
3. The fair market value of the insured vehicle, determined by using a source including a computerized database approved
by the Commissioner that meets all of the following minimum criteria:
i. The source must give primary consideration to the values of vehicles in the local market area, but if necessary to obtain a
reasonable cross-section of the market, may consider vehicles in the next closest area.
ii. The source shall produce fair market values of substantially similar vehicles for at least 85 percent of all makes and
models for the last 15 years and shall include all major options. A sufficient number of vehicles must be used for each year,
make, and model to represent a cross-section of the market sufficient to determine fair market value.
iii. If the database uses several price ranges for the same model vehicle depending on the condition of the vehicle, it must
clearly indicate what condition the vehicle is being valued at and define in detail the difference between such rating
categories. Documentation of the condition of the insured vehicle must be made a part of the written valuation.
iv. At the time of request for approval the source of the database shall be revealed to the Commissioner in a manner that can
be verified by the Department.
4. If it is not possible to value the insured vehicle by using the method set forth in (a)1, 2 and 3, the insurer shall determine
the retail value of the vehicle by using the best available method and shall fully explain in writing to the insured how its offer
was calculated.
(b) If the insurer is notified in writing within 30 calendar days of the receipt of the claim draft that the insured cannot
purchase a comparable vehicle at the market value established by the insurer, the insurer shall reopen its claim file and the
following procedures will apply:
1. The insurer may locate a substantially similar vehicle by the same manufacturer of the same year, make and model, with
similar options, mileage, and condition as the destroyed vehicle from a licensed dealer. Such vehicle must be within a
reasonable distance not to exceed 25 miles from the insured's principal place of garaging;
2. The insurer shall either pay the difference between the market value before applicable deductions and the cost or the
market value as determined by (a)2 above of a substantially similar vehicle located by the insured or negotiate and effect
purchase of this vehicle for the insured;
3. The insurer may elect to offer a replacement vehicle in accordance with the provisions as in (e) below; or
4. The insurer or insured may conclude the loss settlement as provided for under the appraisal section of the insurance
contract in force at the time of loss. This appraisal shall be considered as binding against both parties, but shall not preclude
or waive any other rights either party has under the insurance contract or under law.
(c) The insurer shall advise the insured in writing of the rights of recourse at the time the settlement draft is issued and retain
a copy of the notice in its claim file.
(d) An insurer shall use the same source of settlement for all claims unless it is documented that the primary settlement
source is not available in the case of a particular vehicle. At the request of the Commissioner, the insurer shall provide the
Department with its primary source of valuation for vehicles.
(e) If the insurer elects to replace the vehicle, the replacement vehicle must be an immediately available, substantially similar
vehicle that is both furnished and paid for by the insurer, subject to the deductible, if any, and including applicable sales tax.
(f) If the insured vehicle is a private passenger automobile of the current model year, meaning that the vehicle has not been
superseded in the market place by an officially introduced succeeding model, the insurer shall utilize one of the following
methods in the settlement of the loss, unless the utilization of (a) or (b) above is more favorable to the consumer.
1. Either the insurer shall pay the insured an amount equal to the reasonable purchase price on the date of the loss of a new
identical vehicle, less any applicable deductible and an allowance for depreciation in accordance with the schedule below;
or
2. The insurer shall provide the insured with a new identical replacement vehicle charging the insured for any applicable
deductible and for depreciation in accordance with the schedule below:
Depreciation Schedule
Purchase Price Depreciation per mile
Up to $ 6,500 $0.10
$ 6,501-$ 8,000 0.12
8,001- 10,000 015
10,001- 12,000 0.18
12,001- 15,000 0.21
15,001- 20,000 0.25
More than $20,000 0.29
(g) In the event of a total loss, any parts of the insured vehicle included in its valuation which are removed by the insured or
the designated representative shall have their value deducted from the final settlement figure. This section shall not be
construed to grant a right of removal.
(h) The following provisions of N.J.A.C. 11:3-10.3 also shall apply to the adjustment of total losses, except that the insurer
shall have a total of 14 working days to comply with the requirements of subsections (a), (b), (c), (h), (i), (j) and (k) of
N.J.A.C. 11:3-10.3.
(i) This section does not prohibit an insurer from issuing a stated value policy insuring against physical damage where the
amount of damages to be paid in the event of a total loss is a specified dollar amount.
(j) If the vehicle is a total loss, the insurer may require that the insured transfer ownership of the vehicle to recoup salvage as
a condition of settlement.
11:3-10.5 Unreasonable delay
(a) Unless a clear justification exists, physical damage claims will have a maximum payment period of 30 calendar days. A
payment period is the period between the date of the receipt of the notice of loss by the insurer, and:
1. The date the settlement check is mailed; or
2. The date on which the damaged vehicle is returned to use when the insurer elects to repair or have repaired the insured
vehicle; or
3. The date on which the damaged vehicle is replaced by the insurer.
(b) If any element of a physical damage claim remains unresolved more than 30 calendar days from the date of receipt of
notice of loss by the insurer, the insurer shall provide the insured with a written explanation of the specific reasons for delay
in the claim settlement. An updated letter of explanation shall be sent again every 30 calendar days thereafter until all
elements of claim are either honored or rejected.
(c) Any letter of explanation, rejection or acceptance of any element of a claim shall contain in the upper right hand corner
the date of receipt of notice of loss by the insurer and be identified as such. The letter shall also contain the identity and
claim processing address of the insurer, and the insured's policy number and claim number.
11:3-10.6 Loss of use
In the event of the theft of the entire vehicle the insurer at the time of notification shall advise the insured of his or her right
under the policy to be reimbursed for transportation expenses. The notification must be confirmed in writing immediately
after receipt of notice of theft. All conditions and benefits related to this coverage as stated in the policy must be contained in
the notification to the insured.
11:3-10.7 Subrogation agreements
(a) If an insured has received payment under his or her physical damage coverage that is subject to a deductible, the insured
shall share, pro rata, with the insurer any net recovery received by the insurer from third parties.
(b) Net recovery shall be the total recovery less the insurer's allocated loss adjustment expenses attributable to such recovery.
The formula for computing net recovery and the insured's share of recovery of the deductible may be stated as follows:
1. Total recovery – Allocated loss adjustment expenses = Net recovery
(Deductible ÷ Total Loss) × Net recovery = Insured’s share of recovery.
2. Application of formula: Assume a loss of $500.00 subject to a $100.00 deductible with a $50.00 in allocated loss
adjustment expense:
i. If there is full recovery of $500.00; computation of net recovery: $500.00 - $50.00 = $450.00
Computation of insured’s share of recovery: ($100.00 ÷ $500.00) × $450.00 = $90.00
ii. If there is a partial recovery of $300.00: computation of new recovery: $300.00 - $50.00 = $90.00
Computation of insured’s share of recovery: ($100.00 ÷ $500.00) × $250.00 = $50.00
(c) Unless the insurer returns its insured's full deductible the insured shall attempt to effect full recovery in clear liability
cases and shall not enter into any intercompany agreements that provide for the acceptance of lesser amounts on a formula
basis.
(d) If an insurer has paid a physical damage claim that is subject to a deductible and it elects not to pursue its subrogation
claim where the probability of recovery exists, the insurer shall so notify its insured in writing within 60 calendar days after it
has paid the claim, except that the notification shall be given at least 30 days prior to the running of any applicable statute of
limitations or period required for notice of claim. If an insurer does not notify its insured within the time periods prescribed
above and the statute of limitations or period required for notice or claim has expired, the insurer shall forthwith remit to its
insured the full amount of the insured's deductible.
11:3-10.8 Repair estimates
If the insurer requires that its insured obtain more than one estimate of motor vehicle damage, the reasonable cost of such
additional estimates, if any, shall be borne by the insurer unless the estimator does the work.
11:3-10.9 Referral of insured to the at-fault party
There shall be no attempt to discourage an insured from filing a physical damage claim, nor shall an insurer encourage its
insured to assert a claim against a third party in lieu of filing a physical damage claim under the insured's policy.
11:3-10.10 Examinations by the New Jersey Department of Banking and Insurance
To ensure compliance with this rule, the Department of Banking and Insurance personnel will investigate the market
performance of insurers. To enable Department personnel to reconstruct an insurer's activities pursuant to the provisions of
this rule, each insurer must maintain a complete file on each claim settled pursuant to this rule. The claim file shall contain all
communications, transactions, notes and work papers relating to the claim. With respect to automobile damage claims, the
file also shall include the name, address, telephone number and license number of any auto body repair facility that has been
utilized by the insurer in the adjustment of the loss or repair of the automobile. All papers in the file must be accurately dated
by the insurer.
 
NJ Defensive Driving Schools

School	Address	Contact	Telephone
AAA - Mid-Atlantic	1 River Place Wilmington, DE 19801	Kurt Gray, Director	1-800-374-9806
AAA - New Jersey Auto Club	1 Hanover Road Florham Park, NJ 07932		973-377-7200
AAA - North Jersey Auto Club	418 Hamburg Turnpike Wayne, NJ 07474	Regina Spizzari	973-956-2201
AAA - South Jersey	700 Laurel Oak Road P.O. Box 1953 Voorhees, NJ 08043-9053		856-783-4222
American Institute for Public Safety Improv Traffic School Sole provider of Improv's "Aware Driver"TM Laff 'n' Learn Program	475 Route 23 South Pompton Plains, NJ 07440		1-800-279-2038
A-1 Peck/Sears Driving School	366 Route 46 East Mine Hill, NJ 07803	David C. Peck	1-800-822-7640
AARP American Association of Retired Persons 55 Alive NJ	132 Main St Princeton, NJ 08540		1-888-227-7669
Drive Safe New Jersey	4 Meadows Run Drive Colts Neck, NJ 07722	John A Segreti, President	1-800-732-6242
Driving Dynamics	25 Bridge Ave Red Bank, NJ 07701		732-219-0404 1-800-225-3479
Driving School Association of NJ, Inc	2561 Yardville-Hamilton Square Road Hamilton, NJ 08690	Dan Gaskill, President	609-586-4944
DTA Program for Driver Improvement Driver Training Associates, Inc.	112 Prospect Ave Ridgewood, NJ 07470		1-800-276-8301
Garden State Safety Council	20 West Lafayette St Trenton, NJ 08625	William Bonds, Director	1-800-565-4699 609-396-2232
NTSI	201 Edward Curry Ave Staten Island, NY 10314	Rosemary DeFresco	718-720-6868
New Jersey Motorcycle Safety Program Division of Highway Traffic Safety Motorcycle only	P.O. Box 048 Trenton, NJ 08625	Richard Frost	1-800-422-3750
New Jersey Safety Program, Inc.	105 Idolstone Lane Aberdeen, NJ 07747		1-800-386-6562
New Jersey State Safety Council Note: Sole provider of National Safety Council (NSC) Defensive Driving course: "Certification of Completion."	6 Commerce Drive Cranford, NJ 07016	Jim Hughes	908-272-7712 1-800-228-3834
Top Driver	154 Tices Lane East Brunswick, NJ 08816	Karen Hampp	1-800-374-8373
USA Training Company, Inc.	196 West State St Trenton, NJ 08608	Gregg Silberman, State Coordinator	1-800-746-7690

 

 

NJ Auto Insurance Rating Territories



Territory 01 - Jersey City
 
• Territory comprises all that part of Hudson County east of the Hackensack River except the City of Bayonne
  Territory 02 - Newark
   
• Territory comprises the entire City of Newark in Essex County
  Territory 03 - Paterson
   
• Territory comprises all that portion of Passaic County south or east of Wayne Township including all territory and places lying within the area enclosed by the outside boundaries of the cities of Clifton, Passaic, and Paterson; and all territory and places lying within the area enclosed by the outside boundaries of the boroughs of East Paterson, Lodi, and Wallington and the City of Garfield in Bergen County
  Territory 04 - Elizabeth
   
• Territory comprises the entire City of Elizabeth and all territory and places lying within the area enclosed by the outside boundaries of the following boroughs, cities, and townships in Union County:
  • Hillside
     
  • Kenilworth
     
  • Linden
     
  • Rahway
     
  • Roselle
     
  • Roselle Park
     
  • Union
     
  • Winfield
  
  Territory 05 - Bayonne
   
• Territory comprises the entire City of Bayonne in Hudson County
  Territory 06 - Trenton
   
• Territory comprises the entire City of Trenton and all territory and places lying within the area enclosed by the outside boundaries of the following townships in Mercer County:
  • Ewing
     
  • Hamilton
     
  • Lawrence
  
  Territory 07 - Camden
   
• Territory comprises the entire City of Camden and all territory and places lying within the area enclosed by the outside boundaries of the following cities or boroughs in Camden County; Gloucester and Brooklawn; also all territory and places lying within the area enclosed by the outside boundaries of that section of Haddon Township which is west of Black Horse Pike (which includes the villages of West Collingswood Heights and Northmont).
  Territory 08 - Perth Amboy
   
• Territory comprises all territory and places lying within the area enclosed by the outside boundaries of the following boroughs, city, township and places in Middlesex County:
   
  • Avenel
     
  • Carteret
  • Carteret Junction
     
  • Chrome
  • Colonia
     
  • East Rahway
  • Edgar
     
  • Fords
  • Genasco
     
  • Iselin
  • Keasbey
     
  • Maurer
  • Ostrander
     
  • Perth Amboy
  • Port Reading
     
  • Roosevelt
  • Sewaren
     
  • West Carteret
  • Woodbridge
  
  Territory 10 - Northern Bergen County
   
• Territory comprises all territory and places lying within the area enclosed by the outside boundaries of the following boroughs, townships and village in Bergen County:
   
  • Allendale
  • Norwood
     
  • Alpine
  • Oakland
     
  • Bergenfield
  • Old Tappen
     
  • Bogota
  • Oradell
     
  • Closter
  • Paramus
     
  • Cresskill
  • Park Ridge
     
  • Demarest
  • Ramsey
     
  • Dumont
  • Ridgewood (Village and Township)
     
  • Emerson
  • River Edge
     
  • Englewood
  • River Vale
     
  • Englewood Cliffs
  • Rockleigh
     
  • Fair Lawn
  • Saddle River
     
  • Franklin Lakes
  • Teaneck
     
  • Glen Rock
  • Tenafly
     
  • Harrington Park
  • Upper Saddle River
     
  • Haworth
  • Waldwick
     
  • Hillsdale
  • Washington
     
  • Hohokus
  • Westwood
     
  • Leonia
  • Woodcliff Lake
     
  • Mahwah
  • Wyckoff
     
  • Midland Park
     
  • Montvale
     
  • New Milford
     
  • Northvale
     
• and all territory and places lying within the area enclosed by the outside boundaries of the following borough and township in Passaic County:
   
  • Pompton Lakes
  • Wayne
     
  Territory 11 - Southern Bergen County
   
• Territory comprises all territory and places lying within the area enclosed by the outside boundaries of the following boroughs, city, townships and village in Bergen County:
   
  • Carlstadt
  • Cliffside Park
     
  • East Rutherford
  • Edgewater
     
  • Fairview
  • Fort Lee
     
  • Hackensack
  • Hasbrouck Heights
     
  • Little Ferry
  • Lyndhurst
     
  • Maywood
  • Moonachie
     
  • North Arlington
  • Palisades Park
     
  • Ridgefield
  • Ridgefield Park (Township and Village)
     
  • Rochelle Park
  • Rutherford
     
  • Saddle Brook
  • South Hackensack
     
  • Teterboro
  • Wood-Ridge
  
  Territory 12 - Camden Suburban
   
• Territory comprises all territory and places lying within the area enclosed by the outside boundaries of the following boroughs and townships in Camden County:
   
  • Audubon
  • Audubon Park
     
  • Barrington
  • Bellmawr
     
  • Cherry Hill
  • Collingswood
     
  • Haddon (that portion lying east of Black Horse Pike)
  • Haddonfield
     
  • Haddon Heights
  • Merchantville
     
  • Mount Ephraim
  • Oaklyn
     
  • Pennsauken
  • Tavistock
     
  • Wood-Lynne
  
  Territory 13 - Camden County (Balance)
   
• That portion of Camden County not included in Camden or Camden Suburban territory
  Territory 14 - Salem County (entire county) and Burlington County (Balance)
   
• That portion of Burlington County not included in Trenton Suburban territory
   
• Gloucester County (entire County)
  Territory 15 - Trenton Suburban
   
• Territory comprises all of Mercer County not included in Trenton territory and all territory and places lying within the area enclosed by the outside boundaries of the following city and townships in Burlington County:
   
  • Bordentown
  • Chesterfield
     
  • North Hanover
  
   
• all territory and places lying within the area enclosed by the outside boundaries of the following borough and townships in Middlesex County:
   
  • Cranbury
  • Jamesburg
     
  • Monroe
  • Plainsboro
  
   
• and all territories and places lying within the area enclosed by the outside boundaries of the following townships in Monmouth County:
   
  • Millstone
  • Upper Freehold
  
  Territory 16 - Long Branch
   
• Territory comprises the entire cities of Asbury Park and Long Branch and all territory and places lying within the area enclosed by the outside boundaries of the following boroughs and townships in Monmouth County:
   
  • Allenhurst
  • Atlantic Highlands
     
  • Avon-by-the-Sea
  • Belford
     
  • Belmar
  • Bradley Beach
     
  • Cliffwood
  • Deal
     
  • East Keansburg
  • Eatontown
     
  • Fair Haven
  • Fairview River Plaza
     
  • Green Grove
  • Hazlet
     
  • Highlands
  • Interlaken
     
  • Keansburg
  • Keyport
     
  • Leonardo
  • Little Silver
     
  • Matawan (Borough and Township)
  • Middletown
     
  • Monmouth Beach
  • Navesink
     
  • Neptune
  • Neptune City
     
  • New Shrewsbury
  • Oakhurst
     
  • Ocean
  • Oceanport
     
  • Port Monmouth
  • Raritan
     
  • Red Bank
  • Rumson
     
  • Sea Bright
  • Shrewsbury (Borough and Township)
     
  • Union Beach
  • Wanamassa
     
  • Wayside
  • West Long Branch
  
  Territory 17 - Monmouth County (Balance)
   
• That portion of Monmouth County not included in Long Branch or Trenton Suburban territories
  Territory 19 - Atlantic City
   
• Territory comprises the entire city of Atlantic City
  Territory 22 - Newark Semi-Suburban
   
• Territory comprises all territory and places lying within the area enclosed by the outside boundaries of the towns of Belleville and Irvington in Essex County
  Territory 23 - Hudson County (Balance)
   
• That portion of Hudson County not included in Bayonne and Jersey City territories
  Territory 24 - Essex County (Balance)
   
• That portions of Essex County not included in East Orange - Orange, Newark, Newark Semi-Suburban and Newark Suburban territories
  Territory 25
   
• Dover - Territory comprises all that part of Morris County not included in Morristown territory and all territory and places lying within the area enclosed by the outside boundaries of the following boroughs and township in Passaic County:
  • Bloomingdale
  • Ringwood
     
  • Wanaque
  • West Milford
  
  (Note: This includes all of Passaic County north and west of Pompton Lakes)
   
• Morristown - Territory comprises all territory and places lying within the area enclosed by the outside boundaries of the following boroughs, towns and townships in Morris County:
   
  • Boonton (Town and Township)
  • Mine Hill
     
  • Butler
  • Montville
     
  • Chatham (Borough and Twonship)
  • Morris
     
  • East Hanover
  • Morris Plains
     
  • Florham Park
  • Morristown
     
  • Hanover
  • Mountain Lakes
     
  • Harding
  • Parsippany-Troy Hills
     
  • Kinnelon
  • Passaic
     
  • Lincoln Park
  • Pequannock
     
  • Madison
  • Riverdale
     
  • and all territory and places lying within the area enclosed by the outside boundaries of the following borough, city and township in Union County:
     
  • Berkeley Heights
  • Summit
     
  • New Providence (Borough)
     
• Somerville - Territory comprises all the territory in Somerset County except the township of Green Brook (formerly North Plainfield) and the boroughs of North Plainfield and Watchung and except all territory and places lying within the area enclosed by the outside boundaries of Franklin Township.
  Territory 26
   
• Hunterdon County (entire County)
   
• Sussex County (entire County)
   
• Warren County (entire County)
  Territory 27 - Atlantic County (Balance)
   
• That portion of Atlantic County not included in the Atlantic City territory
   
• Cape May County (entire County)
   
• Cumberland County (entire County)
   
• Ocean County (entire County)
  Territory 31 - Newark Suburban
   
• Territory comprises all territory and places within the area enclosed by the outside boundaries of the following boroughs, cities, towns, townships and village in Essex County:
   
  • Bloomfield
  • Cedar Grove
     
  • Glen Ridge
  • Maplewood
     
  • Millburn
  • Montclair
     
  • Nutley
  • South Orange
     
  • Verona
  • West Orange
     
  Territory 38 - East Orange - Orange
   
• Territory comprises the entire cities of East Orange and Orange in Essex County
  Territory 39 - Plainfield
   
• Territory comprises the entire city of Plainfield and all territory and places lying within the area enclosed by the outside boundaries of the following boroughs, city, town and townships in Union County:
   
  • Clark
  • Cranford
     
  • Fanwood
  • Garwood
     
  • Mountainside
  • Plainfield
     
  • Scotch Plains
  • Springfield
     
  • Westfield
  
  and all territory and places lying within the area enclosed by the outside boundaries of the following boroughs and township in Somerset County:
   
  • Greenbrook
     
  • North Plainfield
     
  • Watchung
     
  Territory 40 - New Brunswick
   
• Territory comprises all territory and places lying within the area enclosed by the outside boundaries of the following boroughs, cities and townships in Middlesex County:
   
  • Dunellen
  • East Brunswick
     
  • Edison (formerly Raritan)
  • Helmetta
     
  • Highland Park
  • Madison
     
  • Metuchen
  • Middlesex
     
  • Milltown
  • New Brunswick
     
  • North Brunswick
  • Piscataway
     
  • Sayreville
  • South Amboy
     
  • South Brunswick
  • South Plainfield
     
  • Spotswood
  • South River
     
  and the township of Franklin in Somerset County

---


NJ Auto Insurance continued
SUBCHAPTER 37. ORDER OF BENEFIT DETERMINATION BETWEEN AUTOMOBILE PERSONAL
INJURY PROTECTION AND HEALTH INSURANCE
11:3-37.1 Purpose and scope
The purpose of this subchapter is to establish guidelines for the order of benefit determination between a
plan of health insurance and personal injury protection provided through an automobile policy pursuant to N.J.S.A.
39:6A-4, when a named insured elects to have his or her personal injury protection become secondary coverage for
the provision of benefits for medical expenses incurred due to injuries sustained in an automobile accident. This
subchapter also sets forth the requirements for the order of benefit determination between a plan of health insurance
and personal injury protection provided pursuant to N.J.S.A. 39:6A-4 or 39:6A-3.1, when personal injury protection
is primary coverage. The provisions of this subchapter shall apply to all automobile policies, as that term is defined
at N.J.S.A. 39:6A-2a, issued to New Jersey residents, or renewed on or after January 1, 1991, and to all health
benefits plans which have been or will be delivered or issued for delivery in this State.
11:3-37.2 Definitions
The following words and terms, when used in this subchapter, shall have the following meanings, unless the context
clearly indicates otherwise.
"Actual benefits" means those benefits determined to be payable for allowable expenses.
"Allowable expense" means a medically necessary, reasonable and customary item of expense covered by an
insured's health benefits plan(s) or PIP plan as an eligible expense, at least in part. When a plan provides benefits in
the form of services, the reasonable monetary value of each such service shall be considered as both an allowable
expense and a paid benefit.
"Benefits" means the provision of the following in consideration of payment of premiums or fees on a prepaid or
postpaid basis:
1. Services, including supplies;
2. Payment of expenses incurred;
3. A combination of 1 and 2 above; or
4. An indemnification.
"Eligible expense" means:
1. In the case of health benefits plans, that portion of the medical expenses incurred for treatment of
an injury which is covered under the terms and conditions of the plan, without application of the deductible(s) and
copayment(s), if any.
2. In the case of PIP plans, that portion of the medical expenses incurred for treatment of an injury
which, without considering any deductible and copayment, shall not exceed:
i. The percent or dollar amounts specified on the medical fee schedules, or the actual billed
expense, whichever is less; or
ii. The reasonable amount, as determined by the automobile insurer, considering the medical
fee schedules for similar services or equipment in the region where the service or equipment was provided, when an
incurred medical expense is not included on the medical fee schedules.
"Health benefits provider" means any person, whether subject to the regulation of the New Jersey Department of
Banking and Insurance, Department of Health and Senior Services, or both, or not otherwise subject to such
regulation, who contracts to provide health services, provide reimbursement for the cost of health services in whole
or in part, or to provide for indemnity in the event health services are used, in return for a prepaid or postpaid
premium or fee or other consideration, including, but not limited to:
1. Insurers, as defined at N.J.S.A. 17B:17-2;
2. Hospital service corporations, as defined at N.J.S.A. 17:48-1;
3. Medical service corporations, as defined at N.J.S.A. 17:48A-1;
4. Health service corporations, as defined at N.J.S.A. 17:48E-1;
5. Health maintenance organizations, as defined at N.J.S.A. 26:2J-2;
6. Dental service corporations, as defined at N.J.S.A. 17:48C-2;
7. Dental plan organizations, as defined at N.J.S.A. 17:48D-2;
8. Medicare;
9. Medicaid;
10. State Employees Health Benefits Plan;
11. CHAMPUS;
12. Self-insured programs; and
13. An entity organized under the laws of any other state or jurisdiction which delivers certificates to
residents of New Jersey evidencing coverage under a contract issued and delivered in a state or jurisdiction other
than New Jersey.
"Hospital expenses," when used by the automobile insurance PIP plan, means those expenses defined at N.J.S.A.
39:6A-2f.
"Injury" means bodily injury sustained by an insured as a result of an accident while occupying, entering into,
alighting from or using an automobile, or as a pedestrian, caused by an automobile or by an object propelled by or
from an automobile.
"Insured" means a person eligible for coverage, at least in part, for medical expenses incurred for treatment of
injuries, under an automobile policy PIP medical expense provision, and who meets the definition of a named
insured or family member.
1. Named insured means the person or persons identified as the insured in the automobile policy and
if an individual, that person's spouse, if the spouse is a resident of the same household, except that if the spouse
ceases to be a resident of the household of the named insured, coverage for that spouse shall continue until the
expiration of full term of any policy period in effect at the time of the cessation of residency.
2. Family member means any relative of the named insured or the named insured's spouse who:
i. Is related to the named insured or named insured's spouse by blood, marriage, adoption or
guardianship;
ii. Resides in the household of the named insured or spouse of the named insured; and
iii. Is not a named insured under another automobile policy.
"Medical expenses" is as defined in N.J.A.C. 11:3-4.2.
"Medical fee schedule" means that list of services, procedures and supplies to which have been assigned a
maximum fee or percentage of a fee payable by an automobile insurer for expenses incurred as a result of the
rendering to an insured any of those specific services, procedures or supplies for injuries, which list is set forth at
N.J.A.C. 11:3-29.
"Out-of-State automobile insurance coverage" or "OSAIC" means any coverage for medical expenses under an
automobile insurance policy other than PIP, as PIP is defined herein, including automobile insurance policies issued
in another state or jurisdiction.
"PIP" means personal injury protection coverage provided as part of an automobile insurance policy pursuant to
N.J.S.A. 39:6A-4 or 39:6A-3.1, issued in New Jersey, specifically those provisions for medical expenses coverage.
"Plan" means any policy, contract, certificate, booklet, evidence of enrollment, program, or other such term which
evidences the existence of a relationship between a health benefits provider or PIP carrier and an insured with
respect to the provisions of hospital, medical, surgical, dental and/or other health care related benefits, at least in
part.
"Primary coverage" means coverage by any plan which determines its actual benefits payable on allowable
expenses incurred by an insured for treatment of injuries without taking into consideration the existence of any
coverage for which the insured may be eligible provided secondary in accordance with this subchapter. There may
be more than one plan providing the insured primary coverage.
"Secondary coverage" means coverage by any plan which determines its actual benefits payable on all allowable
expenses incurred by an insured for treatment of injuries after all plans providing primary coverage have considered
expenses incurred and paid actual benefits.
11:3-37.3 Health benefits providers
(a) Nothing in this subchapter shall be construed as requiring any health benefits provider to offer, provide, or
continue coverage to or for any individual or group, except as may be set forth by other laws of this State, or of the
Federal government.
(b) Nothing in this subchapter shall be construed as requiring any health benefits provider to provide coverage for
any treatment or service not otherwise covered under the terms of the applicable health benefits plan.
(c) No health benefits contract or policy delivered or issued for delivery in this State, or renewed, continued or
converted on or after January 1, 1991, shall contain any provision, rider, waiver of endorsement or other instrument
which restricts, limits or excludes coverage, directly or indirectly, of services or expenses otherwise eligible under
the policy or contract on the grounds that such expenses or services would be covered under an automobile policy
PIP provision for which the insured would be eligible had the named insured on the automobile policy not selected
the PIP-as-secondary coverage option.
(d) No health benefits contract or policy delivered or issued for delivery in this State, or renewed, continued or
converted on or after January 1, 1991, shall contain any provision, rider, waiver or endorsement, or other instrument
which restricts, limits or excludes coverage, directly or indirectly, of services or expenses otherwise eligible under
the policy or contract on the grounds that:
1. Such expenses arise from an automobile-related injury;
2. Such expenses are covered or paid by PIP; or
3. Such expenses are covered or paid by OSAIC except for reductions in benefits when the health benefits
contract provides secondary coverage as defined in and permitted by this rule.
(e) A health benefits contract or policy may provide that it is always primary to OSAIC, or may provide that it will
determine its benefits as if it were secondary to any OSAIC. If the health benefits contract or policy provides that it
will determine its benefits as if it were secondary to OSAIC and the OSAIC either contains a provision that it is
always excess or secondary, or refuses to cooperate in determining the amount of benefits payable by the health
benefits plan as secondary coverage provider, the health benefits plan shall provide primary coverage.
11:3-37.4 Application of the PIP-as-secondary coverage option
(a) When a named insured elects the PIP option, whereby the named insured intends that medical expenses incurred
for treatment of an injury are to be covered by a health benefits provider or providers, as evidenced on the Coverage
Selection Form, then the medical expense provisions of the PIP coverage shall be considered to be secondary
coverage for the purposes of the order of benefit determination, and all health benefits plans of an insured subject to
the PIP option elected shall be considered to be primary coverage.
(b) The election by the named insured to make PIP medical expense provisions secondary coverage shall apply to
only the named insured and family members of the named insured who reside in the named insured's household and
are not named insureds under other automobile policies.
(c) The election by the named insured to make PIP medical expense provisions secondary coverage shall continue
in force as to subsequent renewal or replacement policies until the automobile policy insurer or its authorized
representative receives a properly executed written request revoking the selection of this option.
(d) In the event that an insured is ineligible for health plan coverage of medical expenses, or is eligible for coverage
under a dental expense or dental service plan only when an injury occurs, despite the selection of the PIP-assecondary
coverage option by the named insured, benefits shall be provided to the insured through PIP coverage in
accordance with N.J.A.C. 11:3-37.8.
11:3-37.5 Health benefit plan standards and the PIP premium reduction
(a) An automobile insurer may eliminate the premium reduction on the base rate applicable to the amount of
medical expense benefit chosen in conjunction with the PIP-as-secondary coverage option election if the automobile
insurer complies with (b) below, and verifies that the coverage specified by the named insured:
1. Excludes the provision of benefits for treatment of injuries of an eligible insured when expenses incurred
in relation to treatment of those injuries are eligible expenses under an automobile policy's PIP provisions; or
2. Provides that it is always secondary, or otherwise will not be a primary provider of benefits;
3. Provides benefits only for dental expenses or dental services; or
4. Provides benefits only for prescription drugs.
(b) An automobile carrier shall notify a named insured if the automobile insurer determines that the health benefits
plan(s) specified by the named insured contain exclusionary or restrictive coverage provisions as set forth in (a)
above, or if the automobile insurer determines that one or more of the insureds covered under the automobile
insurance policy is not provided coverage by at least one of the health benefit plan(s) specified by the named
insured, and, therefore, the named insured's premium reduction for PIP medical expense benefits will be eliminated.
1. The notice shall be in writing and shall specify the reasons why the automobile insurer believes the named
insured's health plan coverage is not in compliance with this subchapter.
2. The automobile insurer may include in the notice a demand for payment of the premium reduction difference
with an explanation that failure to pay the indicated premium reduction difference may result in early cancellation of
the automobile policy in accordance with (c) below.
3. The notice shall be sent no later than 30 days prior to the date of cancellation as calculated in accordance with
(c) below. A notice which is sent 30 days prior to the date of cancellation shall either contain a statement that it is a
notice of cancellation, or be attached to a notice of cancellation, setting forth the effective date of cancellation.
(c) The effective date of the cancellation of a policy for nonpayment of premium shall not be earlier than 10 days
prior to the last full day of which premium received by the company, prior to the date of preparation of the
cancellation notice, would pay for coverage on a pro rata basis. In calculating the effective date of the cancellation,
the premium applicable to the coverage provided by the policy and the premium received by the company at or prior
to the time the cancellation notice was prepared shall be the premium used for the calculation and determination of
such effective date.
1. No cancellation in accordance with (c) above shall be effective unless prior thereto, the automobile
insurer shall have notified the named insured that the premium reduction difference had to be paid to avoid
cancellation, as specified in (b)2 above.
2. No cancellation notice shall be mailed prior to 30 days in advance of its effective date.
(d) If the insured provides payment of the full premium amount and subsequently provides proof that coverage is
not restricted in the manner set forth in accordance with (a) above, or that all insureds under the automobile policy
were provided coverage by a health benefits plan at the time notification of noncoverage was sent, and that such
coverage continues and is not restricted in the manner set forth in accordance with (a) above, the automobile insurer
shall refund the monies paid in excess of the full reduction, or shall credit any excess paid on the reduced premium
to the extent any premium payment is still unpaid on the policy.
11:3-37.6 Order of benefits determination when PIP is secondary coverage
(a) When the named insured of an automobile policy has selected the PIP-as- secondary coverage option, all health
benefits plans for which the insured is eligible shall provide coverage for the allowable expenses incurred by the
insured due to an automobile-related injury prior to any benefits for medical expenses being paid by a PIP plan.
(b) If the insured is eligible for coverage under more than one group health benefits plan, the group health benefits
plans shall coordinate benefits with one another in accordance with the rules set forth for such plans at N.J.A.C.
11:4-28.
(c) The PIP plan shall provide benefits for allowable expenses remaining uncovered after all health benefits plans
for which the insured is eligible have paid benefits towards those allowable expenses.
(d) The PIP plan shall continue to be liable for expenses related to the same occurrence as the expenses are
incurred, whether or not the health benefits plan(s) in force at the time of the accident terminate(s) coverage, or
benefits provided under the health benefits plan(s) are exhausted subsequent to the occurrence of the accident, up to
the maximum PIP benefits available to the insured under the terms of the automobile policy.
(e) Total benefits paid by an insured's health benefits and PIP plans shall not exceed the amount of total allowable
expenses.
11:3-37.7 Determination of PIP medical benefits payable when PIP is secondary coverage
(a) In calculating the actual benefits to be paid by the automobile insurer when the PIP-as-secondary coverage
option has been selected, the automobile insurer shall first determine the amount of eligible expenses which would
have been paid after application of the deductible and copayment limitations had the PIP-as-secondary coverage
option not been selected.
1. In the event the remaining allowable expenses are less than the benefits calculated pursuant to (a) above,
the automobile insurer shall pay actual benefits equal to the remaining allowable expenses, without reducing the
remaining allowable expenses by its deductible or copayments.
2. In the event the remaining allowable expenses are greater than the benefits calculated pursuant to (a)
above, the actual benefits paid by the automobile insurer shall be the benefits calculated pursuant to (a) above,
without reducing the remaining allowable expenses by its deductible or copayments.
(b) In paying actual benefits, the automobile insurer shall not:
1. Reduce its actual benefits payable on account of any deductibles or copayments of the health benefits
plans which have provided benefits ahead of the PIP plan due to the selection of the PIP-as-secondary coverage
option; or
2. Reduce its actual benefits payable for any allowable expense remaining uncovered which item of
expense otherwise would not be an eligible expense under the PIP plan, except as set forth by (c) below.
(c) In determining remaining uncovered allowable expenses, the automobile insurer shall not consider any amount
for items of expense which exceed the dollar or percent amounts recognized by the medical fee schedules
promulgated pursuant to N.J.S.A. 39:6A-4.6.
(d) The total amount of benefits to be provided through the PIP medical expense provisions for each insured per
accident or occurrence shall not exceed the maximum PIP benefits as provided for by the terms of the policy.
11:3-37.8 Health benefits plan coverage ineligibility
(a) When, subsequent to the selection of the PIP-as-secondary coverage option by a named insured, it is determined
that an insured did not have health coverage in effect at the time of an injury, or had health coverage in effect at the
time of any injury which is such that the PIP-as-secondary coverage option selection could have been invalidated by
the automobile insurer and elimination of the premium reduction amount effected in accordance with N.J.A.C. 11:3-
37.5(a), but was not, then the insured shall be provided benefits for incurred medical expenses through the PIP
medical expense provision.
1. Benefits payable shall be subject to a per accident deductible equalling the total of $750.00 plus the PIP
deductible selected by the named insured of the policy.
2. Benefits payable shall be subject to a 20 percent copayment for amounts less than $5,000 after the
deductible has been satisfied.
3. Determination of the amount of benefits payable shall be made in accordance with medical fee schedules
promulgated pursuant to N.J.S.A. 39:6A-4.6 and set forth at N.J.A.C. 11:3-29, or on a reasonable basis, as
determined by the automobile insurer, considering the medical fee schedules for similar services or equipment in the
region where the service or equipment was provided, when an item of expense is not included on the medical fee
schedules.
4. Total benefits paid for each insured eligible for benefits in any one accident shall not exceed the
maximum PIP benefits provided for by the terms of the policy.
(b) All items of medical expense incurred by the insured for treatment of an injury shall be eligible expense to the
extent the treatment or procedure from which the expenses arose is recognized on the medical fee schedules, or are
reasonable medical expenses in accordance with N.J.S.A. 39:6A-4.
(c) The automobile insurer shall be entitled to recover, for the contract period in which the automobile-related
injury occurred, the difference between the reduced premiums paid on the policy and the amount of premium which
would have been due on the policy had the named insured not selected the PIP-as- secondary coverage option, and
no premium reduction shall be provided on that policy for the PIP-as-secondary coverage option during the
remainder of that current contract period.
11:3-37.9 Determination of benefits when PIP is primary coverage
(a) When no election has been made by a named insured to make his or her health benefits plan(s) primary coverage
provider(s), so that the PIP plan will provide primary coverage for medical expenses incurred for treatment of
injuries, the PIP plan shall provide benefits to the insured without consideration of any benefits for which the
insured may be eligible under any health benefits plan.
(b) Actual benefits paid by the PIP plan shall be medical expenses, subject to the policy limits and the application of
any deductible and copayment provided for by the terms of the automobile policy, approved by the Commissioner
pursuant to N.J.S.A. 39:6A-4 or 39:6A-3.1, and any rules promulgated thereunder.
(c) Actual benefits payable by a health benefits plan, when the PIP plan is providing primary coverage for medical
expenses incurred for treatment of injuries, shall be the lesser of the remaining uncovered allowable expenses or the
actual benefits that would have been payable had the health benefits plan been providing coverage primary to the
PIP plan.
1. Actual benefits payable may be reduced by the deductible(s) and copayment requirements applicable by
the terms of the health benefits plan, and shall not exceed the amount of actual benefits that would have been
payable had the health benefits plan been providing coverage primary to the PIP plan.
2. Allowable expenses remaining uncovered, which the health benefits plan(s) shall consider when the PIP
plan is providing primary coverage, include:
i. Any PIP deductible(s);
ii. Any PIP copayment amounts;
iii. Any expenses which exceed the medical expense coverage limits of the PIP plan per person per
accident, as set forth by the terms of the automobile policy; and
iv. Any expenses not covered by the PIP plan when such expense was determined to be in excess
of the reasonable charge for an item of expense not listed on the medical fee schedules, but for which the automobile
insurer determined a reasonable charge based on the medical fee schedule for a similar item of expense in the region
where the service or equipment was provided.
(d) When a health benefits plan provides hospital expense or service benefits only, or medical expense or service
benefits only, and is not otherwise a part of a basic health benefits package, all allowable expenses remaining
uncovered shall be considered by that health benefits plan for the provision of benefits, without regard as to whether
the expenses are hospital-related or medical- related expenses. Actual benefits paid by that health benefits plan for
the allowable expenses remaining uncovered shall not exceed the total actual benefits which would have been
payable had the health benefits plan been providing coverage primary to the PIP plan.
(e) When there is one health benefits plan providing insureds hospital expense or service benefits and another health
benefits plan providing insureds medical expense or service benefits as two separate parts of one basic health
benefits plan package, the hospital benefits plan and the medical benefits plan shall both consider all allowable
expenses remaining uncovered and shall apportion such allowable expenses between the two plans on a pro-rata
basis without regard as to whether the expenses are hospital-related or medical-related expenses. Actual benefits
paid by each plan of the health benefits plan package shall not exceed the total actual benefits which would have
been payable by each plan had the health benefits plan package been providing primary coverage.
(f) No insured shall be liable to a health care provider for any fees for services or supplies which exceed the dollar
or percentage amounts recognized for those services or supplies on the medical fee schedules.
(g) No health benefits plan shall seek repayment from or withhold payment to an insured for amounts paid to the
insured in consideration of charges which were in excess of the amounts set forth in the medical fee schedules.
(h) If there is more than one group health benefits plan providing secondary coverage to an insured, these plans may
coordinate their benefits with one another in accordance with N.J.A.C. 11:4-28.
11:3-37.10 Explanation of benefits
(a) Automobile insurers shall develop and utilize an explanation of benefits form to be provided with the payment
of benefits for expenses incurred for treatment of injuries which clearly identifies and explains the following:
1. Each procedure for which a claim has been made;
2. Eligible expense related to each procedure with an indication of whether the eligible expense is based on
the medical fee schedules or is the reasonable charge as determined by the automobile insurer;
3. Actual benefits paid;
4. Any deductible or copayment applied;
5. A concise explanation why any item of expense is considered an ineligible expense, when this occurs;
and
6. A statement to insureds that no health care provider may demand or request any payment from any
person in excess of those permitted by N.J.A.C. 11:3- 29, and that no person is liable to any health care provider for
any amount of money which results from the charging of fees in excess of those permitted by N.J.A.C. 11:3-29
pursuant to N.J.S.A. 39:6A-4.6.
11:3-37.11 Dispute as to primacy of coverage
(a) If, subsequent to the selection of the PIP-as-secondary coverage option by the named insured, injuries are
sustained by an insured eligible for health benefits plan coverage, but a dispute exists between the health benefits
provider and the automobile insurer, then the health benefits provider shall provide benefit as if it were the primary
coverage provider and no PIP benefits were available to the insured. In no event shall the provision of benefits be
unreasonably delayed by either a health benefits provider or an automobile insurer.
(b) If the health benefits provider asserts that it is not subject to N.J.A.C. 11:3-37.3, and thus, will not act as the
primary coverage provider then the automobile insurer shall assume the role of primary coverage provider, and
provide its benefits in accordance with N.J.A.C. 11:3-37.8. The automobile insurer shall be entitled to recover
premium reductions in accordance with N.J.A.C. 11:3-37.8(c).
11:3-37.12 Eligibility under two or more automobile policies
(a) If an insured is eligible for coverage of medical expenses under more than one automobile policy, the
determination as to which automobile policy will assume coverage responsibility for that insured shall be as follows:
1. A named insured shall receive benefits for medical expenses under the terms of the automobile policy on
which he or she, or his or her spouse, is identified as the named insured.
2. A family member who is a child of a named insured or the named insured's spouse shall receive benefits
for medical expenses under the automobile policy of the named insured, subject to the following:
i. If the child is a child of more than one named insured or of more than one spouse of a named
insured, the child shall receive benefits under the terms of the automobile policy of the named insured who has legal
custody of that child or whose spouse has legal custody of that child.
ii. If the child is a child of more than one named insured or of more than one named insured's
spouse, and legal custody of that child has either never been awarded, or has been awarded jointly, then the child
shall receive benefits under the terms of the automobile policy of the named insured whose birthday occurs earliest
in the calendar year.
iii. If the child is a named insured or the spouse of a named insured, (a)1 above shall apply.
3. If neither (a)1 nor (a)2 above apply to an adult or child family member, then that family member shall
receive benefits for medical expenses under the terms of the automobile policy of the named insured whose birthday
occurs earliest in the calendar year.
4. If an automobile policy identifies more than one person as a named insured on the automobile policy, the
birthday of the named insured whose birthday occurs earliest in the calendar year shall be considered the
determinant birthday on that automobile policy.
(b) An insured shall not receive benefits for medical expenses under more than one automobile policy.
(c) If an automobile policy PIP plan provides benefits for medical expenses for an insured who is eligible for
medical expense benefits under more than one automobile policy PIP plan, the automobile insurer of the paying PIP
plan may seek equitable pro rata contributions from the other automobile policy PIP plan(s) for the benefits actually
paid by the paying PIP plan.
11:3-37.13 Penalties
Each automobile policy or health benefits plan subject to the terms of this subchapter which fails to comply with the
terms herein shall be in violation of this subchapter. Failure to comply with the terms of this subchapter may result
in the assessment of any and all penalties in accordance with the laws of this State.
11:3-37.14 Severability
If any provision of this subchapter or application thereof to any person or circumstance is held invalid, the
remainder of the subchapter and the application of such provision to other persons or circumstances shall not be
affected thereby.
 

NJ Insurance Company Addresses For Service of Demands for Arbitration Rule 3A of the New Jersey No-Fault Arbitration Rules requires that the claimant serve a copy of the Demand for Arbitration upon all named parties by certified mail, return receipt requested. Effective June 7, 2004, NJAC 11:3-5.6 (a) was amended to include the following: “Every insurer shall establish a single address where requests for dispute resolution shall be sent. Insurers shall notify the administrator of the address and any changes thereto.   The administrator shall make the list of insurer addresses available to the user community on a web page and any other available means of communication”. For purposes of serving Demands for Arbitration, the addresses below shall apply for each listed NJ automobile insurance company. AAA Mid-Atlantic Insurance Company New Jersey Regional Claims Center Attn: Diana Hughes PIP Unit Manager PO Box 5483 Mount Laurel, NJ 08054 Fax: 856-235-6232 Affirmative Insurance Services (Formerly IPA Insurance) Attn: Christy Meadows PO Box 4420 Troy, MI 48099 AIG Centennial Insurance (Formally GE Property & Casualty & Bayside Ins. Co.; Colonial Penn Ins. Co.) Attn: Denise Warzel PO Box 5460 1000 Midatlantic Drive Mount Laurel, NJ 08054 AIG Personal Lines Attn: Denise Warzel PO Box 5460 1000 Midatlantic Drive Mount Laurel, NJ 08054 Allstate New Jersey Insurance Company New Jersey PIP Center Attention: Sue Walushen PO Box 250 Pluckemin, New Jersey 07978 American Home Assurance Attn: Larry Boodoo PO Box 9028. 999 Stewart Ave. Bethpage, NY 11714-9028 Fax: 516-393-6248 American International Group Attn: Denise Warzel PO Box 5460 1000 Midlantic Drive Mount Laurel, NJ 08054 Amerisure Mutual Insurance Attn: James Kohloff 2677 Halsted Road PO Box 2060 Farmington Hills, MI 48333-2060 AutoOne Insurance Attn: Miguel Mateo 5788 Widewaters Parkway P.O. Box 50 Syracuse, New York 13214 AMEX Assurance Company Attn: Jolene Jansen 3500 Packerland Drive De Pere, WI 54115-9070 Phone: 800-872-5246 Fax: 902-330-5334 Amica Mutual Insurance Company Attn: David M. Gattuso, CPCU, Branch Manager PO Box 588 Montvale, NJ 07645-0588 ARI Casualty Insurance Company 133 Franklin Corner Road Lawrenceville, NJ 08648 ARI Mutual Insurance Company 133 Franklin Corner Road Lawrenceville, NJ 08648 Atlanta Casualty Company (See Infinity Insurance Co.) Atlantic Mutual Companies Attn: Linda Kyd 1325 Electric Road P.O. Box 4625 Roanoke, VA 24018 Atlas Assurance Company PO Box 4858 East Syracuse, NY 13221 Bayside Insurance Co. (See AIG Centennial Insurance) Central Mutual Insurance Company Attn: Susan Sylvester, Reg. Claim Manager 404 Wyman Street, Suite 360 Waltham, MA 02454 Chesterfield Services Attn: Carol Holishouser PO Box 610 Green, Ohio 44232 Chubb Insurance Company of New Jersey a member insurer of the Chubb Group of Insurance Companies Attn: NJ PIP Claim Manager 12 Vreeland Road Florham Park, NJ 07932-0975 Church Mutual Insurance Company Attn: Karen Metz, CPCU, Casualty Claims Manager PO Box 342 3000 Schuster Lane Merrill, WI 54452 Clarendon National Insurance Company PO Box 6580 Saddle Brook, NJ 07663 Colonial Penn Insurance Co. (See AIG Centennial Insurance) Consumer First Insurance Co. Attn: Wayne Reynolds-Claims Manager 1144 Clifton Avenue Clifton, NJ 07013 Countryway Insurance Formerly Agway Insurance PO Box 4851 Syracuse, NY 13221 Cumberland Insurance Group 633 Shiloh Pike PO Box 556 Bridgeton, NJ 08302 Electric Insurance Company Attn: Mary Meuse 75 Sam Fonzo Drive Beverly, MA 01915 Employers Insurance Company of Wausau Attn: Tony Davaro, Auto & Liability Claim Manager 251 Salina Meadows Parkway, Suite 260 North Syracuse, NY 13212 Encompass Insurance 1100 Cornwall Road PO Box 907 Monmouth Junction, NJ 08852 Esurance (NJ) C/O NJ Skylands Management, LLC P.O. Box 623 Basking Ridge, NJ 07920 Excelsior Insurance Company PO Box 4858 East Syracuse, NY 13221 Farm Family Casualty Insurance Company Attn: Bonnie Flynn MS 10N Medical Claim Unit PO Box 656 Albany, NY 12201-0656 Farmers Insurance Company of Flemington Attn: Robert G. Babcock, Corporate Secretary 200 Main Street Flemington, NJ 08822 Fireman's Fund Insurance Co. Attn: Christine Bogucki 3301 Rider Trail South Ste 200 P.O. 4468 Earth City, Mo 63045 First Trenton Indemnity Company PO Box 906 Cedar Knolls, NJ 07927 Attn: Christine Holmes Firstline National Insurance Company 200 North Main Street Bel Air, MD 21014 Attn: F.P. Kellner Fitchburg Mutual Insurance Company 222 Ames Street PO Box 9109 Dedham, MA 02027-9109 Founders Insurance Company 3150 Brunswick Pike, Suite 200 Lawrenceville, NJ 08648 GE Property & Casualty (See AIG Centennial Insurance) GEICO 750 Woodbury Rd P.O. Box 501 Woodbury, NY 11797-2589 General Assurance Company Attn: Miguel Mateo 5788 Widewaters Parkway P.O. Box 50 Syracuse, New York 13214 General Security National Insurance Company Attn: Vanessa Scrudato C/O Specialty Claims Management Park 80 Plaza East Saddle Brook, NJ 07663 GMAC Insurance PO Box 1040 Winston Salem, NC 27102 Great American Insurance (See Infinity Insurance Co.) Greater New York Insurance Companies Attn: Mr. Richard Bogia, Asst. Vice-President 377 Summerhill Road East Brunswick, NJ 08816-4537 Greater New York Mutual Insurance Company Attn: Mr. Richard Bogia, Asst. Vice-President 377 Summerhill Road East Brunswick, NJ 08816-4537 Hanover Insurance Company No-Fault Claim Manager-Atlantic Region PO Box 4823 Syracuse, NY 13221 Harford Mutual Insurance Company 200 North Main Street Bel Air, MD 21014 Attn: F.P. Kellner The Hartford Insurance Attn: Lauren Borowicki 21 Christopher Way CN 3605 Eatontown, NJ 07724 High Point Insurance PO Box 901 Lincroft, NJ 07738-0901 Hermitage Insurance Company Attn: Richard Huckstadt, Vice President Claims Department 1311 Mamaroneck Avenue, Suite 135 White Plains, NY 10605 IFA Insurance Company 14 Walnut Avenue Clark, NJ 07066 Infinity Insurance Companies (Includes Great American Insurance Co., Atlanta Casualty Co., Infinity Insurance, Leader Insurance & Windsor Auto) 3700 Colonnade Parkway Birmingham, AL 35243 Insurance Company of Greater New York Attn: Mr. Richard Bogia, Asst. Vice-President 377 Summerhill Road East Brunswick, NJ 08816-4537 Keystone Insurance Company New Jersey Regional Claims Center Attn: Diana Hughes PIP Unit Manager PO Box 5483 Mount Laurel, NJ 08054 Fax: 856-235-6232 Kodiak Insurance Company Attn: Richard Huckstadt, Vice President Claims Department 1311 Mamaroneck Avenue, Suite 135 White Plains, NY 10605 Lancer Insurance Company Attn: Susan Fries P.O. Box 9123 One Fairchild Court Suite 200 Plainview, NY 11803 Leader Insurance (See Infinity Insurance Co.) Liberty Mutual Marlton Executive Park Attn: Jill Shorter 701 Route 73 South Suite 201 Marlton, NJ 08053 Lincoln General Insurance Company Attn: Tim Kirk, VP Claims P. O. Box 3608 York, PA 17402 Phone: 800-876-3350 Markel Insurance Company Attn: Deidre Balbuena Vice President, Product & Regulatory Compliance 4600 Cox Road Glen Allen, VA 23060 MetLife Auto & Home Claim Department Mail Processing Center PO Box 410400 Charlotte, NC 28241-0400 Metropolitan Group, Property & Casualty Claim Department Mail Processing Center PO Box 410400 Charlotte, NC 28241-0400 Metropolitan Insurance Company Claim Department Mail Processing Center PO Box 410400 Charlotte, NC 28241-0400 Mercury Insurance Attn: Donna Arfmann NJ PIP Manager 1901 Ulmerton Road Clearwater, FL 33762-2307 Motor Club of America (See Preserver Group) Nationwide Insurance Attn: Laurel Butkins 110 Elwood Davis Rd. Syracuse , NY 13212 New Hampshire Insurance Co. C/O York Claims Service Inc. 90 Merrick Ave., Suite 205 East Meadow, New York 11554 New Jersey Citizens United Reciprocal Exchange (NJ CURE) Attn: Cynthia Eversberg 214 Carnegie Center, Suite 100 Princeton, NJ 08540 New Jersey Property-Liability Insurance Guaranty Association 222 Mount Airy Road Basking Ridge, New Jersey 07920 NJ Skylands Insurance Company PO Box 623 Basking Ridge, NJ 07920 Attn: Maribeth Fabrizio, PIP Litigation Coordinator Netherlands Insurance Company PO Box 4858 East Syracuse, NY 13221 New Jersey Manufacturers Insurance Company Geraldine Petrowski Auto Legal 301 Sullivan Way West Trenton, NJ 08628 NGIC-National General Insurance Co. PO Box 1040 Winston Salem, NC 27102 OneBeacon (Personal Lines ONLY) PO Box 623 Basking Ridge, NJ 07920 Attn: Maribeth Fabrizio, PIP Litigation Coordinator Palisades Safety and Insurance Management Corporation Two Connell Drive Connell Corporate Center II PO Box 617 Berkeley Heights, NJ 07922 Parkway Insurance Attn: Amy Sweeny PO Box 6887 Bridgewater, NJ 08807 Peerless Indemnity Insurance Company Formerly known as Atlas Assurance Company of America PO Box 4858 East Syracuse, NY 13221 Penn Millers Insurance Company 72 N. Franklin Street PO Box P Wilkes Barre, PA 18773-0016 Attn: Kevin D. Higgins, Claims Manager Penn National Insurance Company 3150 Brunswick Pike, Suite 200 Lawrenceville, NJ 08648 Preserver Group (Includes the former Motor Club of America) Attn: Helane Russo 95 Route 17 South Paramus, NJ 07653 Progressive Insurance Company Attn: Gordon Dickenson 485 Route 1 South Building A Suite 470 Iselin, NJ 08830 Prudential Property & Casualty Insurance PO Box 901 Lincroft, NJ 07738-0901 Rutgers Insurance Companies 2250 Chapel Avenue West, Suite 200 Cherry Hill, New Jersey 08002 Selective Insurance Company 1395 Yardville-Hamilton Square Road PO Box 7950 Trenton, NJ 08650-7950 St. Paul Traveler’s Insurance Company Attn: Janet Doyle 1200 The American Way PO Box 521 Morris Plains, NJ 07950 State Farm Insurance PO Box 927 Parsippany, NJ 07054-0927 State National Insurance Company C/O FTP Inc. Attn: Nancy Stillman-Pender 131 White Oak Lane Old Bridge, NJ 08857 Strathmore Insurance Company Attn: Mr. Richard Bogia, Asst. Vice-President 377 Summerhill Road East Brunswick, NJ 08816-4537 The Proformance Insurance Company C/O Riverview Professional Services Attn: Mary E. Mabey, RN, LNC Arbitration Mgr. 4 Paragon Way CN 5022 Freehold, NJ 07728 The Providence Mutual Fire Insurance Company PO Box 6066 Providence, RI 02940 ATTN: Florence Gobin, Claims Supervisor Unitrin Direct Auto Insurance Company 502 West Germantown Pike Suite 900 Plymouth Meeting, PA 19462 USAA (United Services Automobile Association) 9800 Fredericksburg Road San Antonio, TX 78288 Utica National Insurance (Graphics Arts) (Utica Mutual Insurance) Attn: Anthony Auletta P.O. Box 6544 Utica, NY 13504-6544 Wausau Business Insurance Company Attn: Tony Davaro, Auto & Liability Claim Manager 251 Salina Meadows Parkway, Suite 260 North Syracuse, NY 13212 Windsor Auto (See Infinity Insurance Co.)


 
About the NJ Auto Insurance  No-Fault PIP Insurance Arbitration Program
The National Arbitration Forum administers arbitrations for No-Fault Insurance Personal Injury Protection (PIP) disputes under New Jersey's Automobile Insurance Cost Reduction Act of 1998 (AICRA).  AICRA requires that all automobile insurers provide any party with a dispute concerning personal injury protection benefits the option of submitting the dispute to binding arbitration.  The National Arbitration Forum has been the appointed administrator for the New Jersey No-Fault Insurance PIP Arbitration Program since January 2004, when the New Jersey Department of Banking and Insurance awarded National Arbitration Forum the contract.  Additional information about this program is available at the National Arbitration Forum’s Web site at http://www.arb-forum.com/nj/ .
 
 

1.     New Jersey No-Fault Automobile Insurance Arbitration Rules New Jersey automobile insurance law was amended in 1998 to require that all automobile insurers provide any party with the option of submitting a dispute concerning personal injury protection benefits to binding arbitration.   Such dispute resolution is governed by N.J.S.A. 39:6A-5.1 et. seq and N.J.A.C. 11:3-5.1 et seq .   These administrative rules and any amendments thereof shall apply in the form in existence at the time the arbitration is initiated.   The duties of   the National Arbitration Forum (“the Forum”) under these rules may be carried out through such representatives as the Forum may direct. These administrative rules apply to disputes arising under contracts affected by the provisions of the 1998 New Jersey “ Automobile Insurance Cost Reduction Act ,” specifically, to claims under policies issued or renewed on or after March 22, 1999, as well as any voluntary submission by the parties pursuant to N.J.S.A 39:6A-9.1 and 39:6A-11.   These rules apply for all claims filed on or after the effective date, and the Dispute Resolution Professional shall determine any disputes of substantive law arising out of the application of these administrative rules. All references to the dates/deadlines throughout these rules refer to calendar days effective close of business, unless otherwise noted. 2. Panel of Neutral Dispute Resolution Professionals The Forum shall establish and maintain a No-Fault claims panel of dispute resolution professionals (DRPs) in accordance with N.J.S.A. 39:6A-5.1 et. seq. and N.J.A.C. 11:3-5.1 et seq . 3. Initiation of Arbitration   A. Demand for Arbitration Arbitration may be initiated by any party filing a written Demand for Arbitration with the Forum by post, e-mail, or online and paying the administrative fee.   The demand shall also be served upon all named parties by certified mail, return receipt requested or other means of delivery designated by the Forum or the Department of Banking and Insurance.   The demand shall be directed to the address of the party or, in case of an insurer, to the office handling the claim.   The demand shall include: Name and address of the injured person(s), claimant, and of the filing attorney, if any; Name and address of policyholder together with policy number; Identity and location of claims office of insurer, if known, the claim file number, and name of individual at the insurer with whom the claim was last discussed; Date and location of accident; Nature of dispute and injuries alleged, or defenses, and relief sought; Exact amounts claimed and details thereof to the extent known, including, but not limited to, copies of all invoices in dispute with appropriate dates transmitted to the insurer and any applicable assignment of rights. All Rule 3(6) documents shall be attached to the demand. Address of the Forum office where copies of demand are being filed; The filing party shall set forth, to the best of its knowledge, any action pending in any court or arbitration proceeding which arises out of treatment to the same patient, arises out of the same accident, or should otherwise be joined in the action being filed. An administrative fee of $225. Two (2) copies of the above Demand for Arbitration , together with two (2) copies of all submissions under this rule must be filed with the Forum along with the administrative filing fee. In the event the matter is to be heard by three (3) DRPs, then five (5) copies of the Demand for Arbitration together with four (4) copies of all submissions under this rule are to be filed. The Forum will acknowledge receipt of the Demand to all parties by way of an initiating letter, which marks the formal beginning of the arbitration process.   B. Statement of Response The respondent shall no later than forty-five (45) days from the date of the Forum initiating letter , submit to the Forum a Statement of Response .   The Statement of Response must provide: notice of settlement or identity of counsel, and any fee that may be required pursuant to Rule 36. C. Requests for Consolidation Any and all requests for consolidation by any party, absent consent of the parties, shall be submitted to the Forum for determination by a DRP who shall provide an opportunity for the parties to be heard prior to issuing a ruling.   4. Application for Emergent/Expedited Relief A party may request emergent relief showing that immediate and irreparable loss or damage will result in the absence of such relief pursuant to N.J.A.C. 11:3-5.4(b) 3 at the time of the filing of its Demand for Arbitration . The party requesting emergent relief shall first notify the Forum and all other parties by a telephone call of its intended filing, followed by a written affidavit stating the nature of the relief sought and the reasons why such relief is both required and entitled on an emergent basis. Said affidavit must also include a statement certifying that all other parties have been notified or an explanation of the steps taken in good faith to notify other parties. This filing must be complete and consistent with all other applicable rules and be accompanied by all applicable filing fees and an additional application fee of $100. Within one (1) business day of receipt of the notice for emergent relief, the Forum shall appoint one (1) specially designated DRP. The DRP shall immediately disclose any circumstance likely, on the basis of the facts disclosed in the claim, to affect such DRP's impartiality or independence. Any challenge to the appointment of the DRP must be made within one (1) business day of the communication from the Forum to the parties of the appointment of the DRP and the circumstances disclosed. The DRP shall, as soon as possible, but no later than two (2) business days from the date of appointment, establish a schedule for consideration of the claim for emergent relief. Such schedule shall provide a reasonable opportunity for all parties to be heard, but may provide for proceeding by telephone conference and/or written submissions as alternatives to a formal in-person hearing. If after consideration the DRP is satisfied that the party seeking the emergent relief has shown that immediate and irreparable loss or damage will result in the absence of emergency relief, and that such party is entitled to such relief, the DRP may within three (3) business days, enter an award granting the relief and stating the reasons therefore with findings of fact and conclusions of law. Except as modified in this rule, all other rules shall apply to the processing of the emergent/expedited filings. Any remaining claims shall be processed pursuant to these rules as applicable. Any application to modify an award of emergent relief must be based on changed circumstances and may be made to the DRP who heard the original application. 5. Application for Dismissal If any party contends that: (a) the requirements set forth in the applicable insurance policy have not been met; or (b) there is no coverage; or (c) the Forum lacks subject matter jurisdiction, such party may seek a ruling dismissing the arbitration by submitting a Request for Dismissal Form together with a $100 application fee. The moving party shall set forth the facts supporting such contentions for a formal ruling to the Forum and simultaneously serve a copy of all submissions under this section on all other parties.   In no event shall the application under this section be made later than seventy-five (75) days from the date of the initiating letter .   In the event an application is denied, and/or in the event such application is not made within the initial forty-five (45) days, the requesting party shall submit the required administrative fee of $225 in addition to the $100 application fee. All requests for dismissal shall include a copy of the pertinent policy provisions together with proofs of such contentions, supporting documentation, and the appropriate fee(s) attached.   The adverse party must respond, in writing, within twenty-five (25) days of the receipt of the challenge to the arbitration demand. In the event that the adverse party does not respond within the prescribed time frame, the DRP may decide the application on the merits or enter an administrative dismissal of the claim and the loss of the administrative fee.   The Forum may grant each party one (1) ten (10) day extension.   The Forum shall then submit the issues presented in the application to the DRP who shall decide it and issue a written decision setting forth the basis of the determination within fourteen (14) days. Where the insurer moves in court or otherwise contests the Forum jurisdiction, administration of the arbitration will be suspended upon receipt by the Forum of a court ordered Stay of Arbitration.   Neither the Forum nor the DRP is a necessary party to such proceedings and neither should be named as a party. 6. Counsel Fee Disputes In the event that all claims in dispute, except for counsel fees, are resolved within the initial forty-five (45) days of the initiating letter , that dispute shall proceed by way of document submission to a DRP or by telephone conference if requested by either party. The DRP shall decide the issue in accordance with N.J.A.C. 11:3-5.6 and shall require an affidavit of service to be submitted.   The claimant(s) shall, within twenty (20) days of the settlement of all remaining issues, file two (2) copies of an affidavit of services with the Forum and simultaneously serve a copy to all other parties. The respondent(s) shall within twenty (20) days of the date the affidavit was transmitted to all parties by the Forum, file two (2) copies of any response with the Forum and serve a copy to all other parties. The hearing shall be declared closed as of the final date for filing of such response. 7.  Change or Withdrawal of Claim If any party wishes to make any new or amended claim, such claim shall be made in writing in accordance with Rules 3 and 17 and filed with the Forum and a copy thereof mailed to the other party. After the DRP is appointed, no new or amended claim may be submitted except with the consent of the DRP. No claim may be withdrawn after a hearing has commenced, absent mutual consent of the parties or a ruling by the DRP. 8. Fixing of Locale The Forum shall designate the locale in which the hearing is to be held in accordance with N.J.A.C. 11:3-5.4(a) 5 . 9. Appointment of Dispute Resolution Professionals Cases will be heard by one (1) DRP appointed by the Forum from its panel, except when the parties agree otherwise, or the amount claimed exceeds $50,000 and request is made by either party within forty-five (45) days of the initiating letter , in which case three (3) DRPs will be appointed.   Each party shall have the right to challenge the appointment of the DRP for reasonable cause within twenty (20) days of the notice of appointment.   Reasonable cause may include application of the principles outlined in the Code of Judicial Conduct contained within the New Jersey Court Rules .   The party challenging a DRP shall submit a written demand for a ruling, including the specific grounds for such challenge, and simultaneously serve a copy on all parties to the arbitration who will have ten (10) calendar days within which to submit a response. When challenges and objections to the challenge are received, the Forum shall refer such challenge to a designated DRP for a determination, which shall be final. 10. Qualification of Dispute Resolution Professionals No person shall serve as a DRP in any arbitration in which that person has any financial or personal interest.   A DRP shall disclose any circumstances likely to create an appearance of bias, which might disqualify him or her as a DRP. If a DRP should resign, be disqualified, or be unable to perform the duties of the office, the Forum shall appoint a replacement in accordance with the provisions of Rule 9. 11. Date, Time and Place of Hearing The Forum shall fix the date, time and place for each hearing in accordance with Rule 8.   At least thirty (30) days prior to the first scheduled hearing, the Forum shall send notice thereof to each party, unless a party waives such notice. 12. Representation Any party may be represented by counsel or other authorized representative. 13. Stenographic Record of Oral Hearing Any party wishing a stenographic record shall make such arrangements and payment with the stenographer directly, and shall notify the other parties and the Forum of such arrangements in advance of the hearing and provide the DRP with a copy of the transcript upon request. 14. Interpreter Any party wishing the services of an interpreter shall make such arrangements and payments with the interpreter directly, and shall notify the other parties and the Forum of such arrangements in advance of the hearing. 15. Attendance at Hearing Persons having a direct interest in the arbitration are entitled to attend the hearing.   The DRP shall otherwise have the power to require the retirement of any witness or witnesses during the testimony of other witnesses.   It shall be discretionary with the DRP to determine the propriety of the attendance of any other persons. 16. Postponements A matter may be initially postponed with the consent of the parties. An initial postponement request that is not resolved by consent of the parties, or a second postponement request,   shall be referred to a DRP for a ruling. The DRP may grant such request for postponement upon a showing of good cause. Any additional requests for postponements shall be granted by the DRP upon a showing of extraordinary circumstances by the requesting party. 17.   Evidence and Exchange of Information   The parties may offer such evidence as is relevant and material and shall produce such additional evidence as the DRP may deem necessary to an understanding and determination of the dispute, consistent with Rule 22 in order to make a decision in accordance with Rule 28 of these rules. Copies of any submissions and/or the identity of any expert witness that a party intends to offer at a hearing must be provided to all other parties and the Forum at least twenty (20) days in advance of the hearing. If not submitted within said time frame, such submissions and/or expert(s) shall be disallowed at the time of the hearing if the late submission creates surprise or prejudice for the other party(ies) or the DRP. A DRP or an attorney representing a party, as authorized by law, may subpoena witnesses or documents on their own initiative or upon the request of any party. The DRP shall be the judge of the relevancy and materiality of the evidence offered, and conformity to legal rules of evidence shall not be necessary. In the event of a dispute between the parties regarding the exchange of information, the DRP may establish the extent of, and schedule consistent with this section, any such exchange pertaining to the subject matter of the arbitration including, but not limited to, the carrier’s rights under N.J.S.A. 39:6A-13 or as provided by the applicable policy of insurance. At an oral hearing all evidence shall be taken in the presence of all parties, except parties in default and parties who have waived the right to be present. The DRP may receive and consider the evidence of witnesses by affidavit or other document. The parties shall be allowed no more than twenty (20) days in total to submit post-hearing documents except as may be permitted by the DRP upon a showing of good cause made before the DRP at the time of the hearing. There shall be no further extensions of time to submit post hearing documents. COMMENT: The last paragraph was revised effective December 2, 2004 to clarify the NAF procedure with respect to post-hearing documents. Requests to hold the oral hearing open for additional documents may be made only at the oral hearing to the DRP who shall set the schedule for document submissions by each party and the date for the close of the hearing. Thereafter, the parties may not request extensions of document submission dates or the hearing closure date. 18. Communication with the Dispute Resolution Professional No party, party witness, or party representative shall have any ex-parte communication with the DRP concerning the arbitration. There shall be no written communication directly with the DRP. 19. Order of Proceedings in an Oral Hearing An oral hearing shall be opened by the DRP by recording the place, time, and date of the hearing, the presence of the DRP and parties, and the receipt by the DRP of the demand and submission(s). The DRP may, at the beginning of the hearing, ask for statements clarifying the issues involved.   The claiming party may then present its claim, proofs, and witnesses, who shall submit to questions or other examination.   The defending party may then present its defense, proofs, and witnesses, who shall submit to questions and other examination.   The DRP has the discretion to vary this procedure but shall afford full and equal opportunity to all parties for the presentation of material or relevant proofs. Exhibits, when offered by either party in accordance with Rule 17, may be received in evidence by the DRP.   The names and addresses of all witnesses and exhibits in the order received shall be made part of the record. 20. Arbitration in the Absence of a Party The arbitration may proceed in the absence of any party or counsel whom, after due notice, fails to be present, fails to submit evidence, or fails to obtain an adjournment.   In the event one or more parties does not appear at the designated time and place for the arbitration of a dispute, the DRP shall, in the presence of all other parties, place a call to the party or, if known, to the party's representative not appearing.   At that time, the DRP shall determine whether to proceed with the hearing and/or under what conditions the hearing may be held, including, but not limited to, telephonic participation and supplemental written submissions. The DRP shall require the party present to submit such evidence as may be required for the making of an award. 21. Access to Medical Expertise The Forum shall use a list of certified medical review organizations in accordance with N.J.S.A. 39:6A-5.2 et. seq., who shall perform the review upon the request of (a) the DRP or (b) any party to the dispute. The request shall include a completed Medical Information Form together with four (4) copies of redacted medical records. A copy of the completed Medical Information Form and redacted medical records shall be forwarded to all parties. All party requests for a Rule 21 review must be made no later than twenty (20) days prior to the scheduled hearing, except when requested in connection with a Rule 4 application. A DRP shall have the option of making such a request at the hearing. The determination of the health care consultant on the dispute referred shall be presumed to be correct by the DRP, which presumption may be rebutted by a preponderance of the evidence. Should the DRP find that the decision of the health care consultant is not correct, the reasons supporting that finding shall be set forth in the DRP's decision. Within twenty (20) days (or earlier if required by the medical exigencies of the case) after the review of the medical evidence the medical review organization shall submit to the Forum a written report which shall contain the consultant's advisory opinion for consideration by the DRP. The Forum shall submit such report to the DRP and the parties. 22. Closing of Oral Hearing The DRP shall specifically inquire of the parties whether they have any further evidence.   If they do not, the DRP shall declare the hearing closed.   If briefs are to be filed, the hearing shall be declared closed as of the final date set by the DRP for receipt of such briefs but in no event later than twenty (20) days post hearing except where extended under Rule 17.   The time limit within which the DRP is required to make the award shall commence to run upon the closing of the hearing. 23. Reopening of Hearing The Forum may reopen a hearing only to correct an administrative error. 24. Waiver of Rules Any party who proceeds with an arbitration after knowledge that any provision or requirement of these rules has not been complied with, and who fails to state objection thereto in writing shall be deemed to have waived the right to object. 25. Extension of Time The Forum may extend any period of time established by these rules if The Forum determines in its sole discretion that extraordinary circumstances have been shown. COMMENT: The revision is effective December 2, 2004 and eliminates the confusion between the former Rules 17 and 25 concerning requests to extend post-hearing submissions beyond the dates set by the DRP at the oral hearing. The rule retains discretion in the Forum to extend a period of time but requires a showing of extraordinary circumstances. 26. Serving of Notices With the exception of the demand and appeal, which shall be served by certified mail, return receipt requested or other means of delivery designated by the Forum or the Department of Banking and Insurance, each party shall be deemed to have consented that any other papers, notices, or process necessary or proper for the continuation of an arbitration under these rules, and for any court action in connection therewith or for the entry of judgment of any award made there under, may be served upon such party by: Mail addressed to such party or its attorney at its known address, or Personal service, within or outside the state where the arbitration has been or is to be held, provided that reasonable opportunity to be heard with regard thereto has been granted to such party, or Facsimile transmission, telegram, or other written forms of electronic communication to give the notices required by these rules. 27. Time of Award The DRP shall render the award promptly and, unless otherwise agreed by the parties, no later than forty-five (45) days from the date of the close of either the hearing or the reopened hearing. 28. Form of Award The award shall be in writing in accordance with the standards set forth at N.J.A.C. 11:3-5.6(d) and shall be signed either by the sole DRP or by at least a majority if there is more than one (1) DRP, unless the concurrence of all is required by law.   It shall be in accordance with New Jersey law and the applicable policy provisions and executed in the manner required by law. The DRP's award shall set forth findings of fact and conclusions of law upon which the award is based . 29. Scope of Award The costs of the proceedings shall be apportioned by the DRP. Attorney's fees shall be determined to be reasonable if they are consonant with the amount of the award, and with Rule 1.5 of the Supreme Court's Rules of Professional Conduct.   The DRP shall require an affidavit of services to be submitted and shall permit all parties to present arguments on the claimed amount. 30. Award Upon Settlement If the parties settle their dispute during the course of the arbitration, the DRP, upon their request, may set forth the terms of the agreed settlement in an award. 31. Delivery of Award to Parties Parties shall accept as legal delivery of the award the placing of the award or a true copy thereof in the mail, addressed to such party or its representative at its last known address, or personal service of the award, or other means of delivery designated by the Forum or the Department of Banking and Insurance. 32.  Applications to Court and Exclusion of Liability Neither the Forum nor any DRP nor any independent health care consultant as defined in Rule 21 in a proceeding under these rules is a necessary party in judicial proceedings relating to the arbitration. Neither the Forum nor any DRP nor any independent health care consultant as defined in Rule 21 of the rules shall be liable to any party for any act or omission in connection with any arbitration conducted under these rules. 33. Interpretations and Application of Rules The DRP shall interpret and apply these rules insofar as they relate to the DRP's powers and duties.   When there is more than one DRP and a difference arises among them concerning the meaning or application of these rules, or any other decision required by the arbitration, it shall be decided by a majority vote.   If that is unobtainable, either a DRP or a party may refer the question to the Forum for final decision.   All other rules shall be interpreted and applied by the Forum. 34. Modification/Clarification On written application filed with the Forum within thirty (30) days after the award has been sent to the parties, any party, on notice to all other parties, may request the DRP to clarify the award or correct any clerical, typographical, or computational errors or make an additional award as to claims presented to the DRP but omitted from the award.   In the case of an administrative error, the hearing may be reopened in accordance with Rule 23.    The hearing may not be reopened for new evidence. Any objections shall be filed with the Forum and the other parties within ten (10) days after the Forum acknowledgment of receipt of the request.   The application and any objection shall be transmitted by the Forum to the DRP who shall dispose of any such application in the form of an award within thirty-five (35) days of transmission to the DRP. 35. Appeals Under These Rules Any party may file a written request for a limited appeal upon payment of the administrative fee for an appeal.   An award by a DRP rendered under these rules may be vacated or modified by appeal to a DRP panel only if that award was incorrect as a matter of law. The panel hearing the appeal shall consist of three (3) designated DRPs on the No-Fault panel but none of which may be the DRP that rendered the award on appeal.   A majority of the panel must make all decisions and rulings. All requests for appeals must be filed, by certified mail, return receipt requested, or other means of delivery designated by the Forum or the Department of Banking and Insurance simultaneously with the Forum and all other parties to the dispute, within thirty (30) days of the date the award was sent.   The Forum shall forward a copy of the written request for an appeal to the DRP who rendered the original decision.   In the event a Rule 34 request for modification/clarification was made, the time to file a written request for an appeal will be thirty (30) days from the date the DRP's response to the clarification/modification was sent to the parties.   The request for an appeal shall contain a copy of the award in issue and shall state the nature of the dispute and the grounds for review.   All reviews will be based solely on submitted documents. The Forum will assign the panel of DRPs, subject to the same standards set forth in Rule 9, who will render a decision within sixty (60) days of the assignment. 36. Fees    •  Claimant's Fees Administrative Fee. The party initiating arbitration shall pay an initial administrative fee in the amount of $225 to the Forum.   The initial administrative fee is due and payable in full at the time of filing.   The claimant shall be refunded $50 of the initial administrative fee if the settlement of all matters in dispute occurs within 30 days from the date the respondent's Statement of Response is filed. Expedited Claims. Any application pursuant to Rules 4 shall include an application fee of $100, in addition to the $225 administrative fee. •  Respondent's Fees Administrative Fee. An administrative fee of $225 is payable by the responding party involved, due and payable in full in the event that the matter is not resolved within forty-five (45) days from the date of the initiating letter . The respondent shall be refunded $50 of the initial administrative fee if the settlement of all matters in dispute occurs within 30 days from the date the Statement of Response is filed. Expedited Claims. In the event that the matter is filed pursuant to Rule 4 payment of the $225 administrative fee is due immediately. Dismissal Request Fee. Any application pursuant to Rule 5 shall include an application fee of $100.   In the event an application for dismissal is denied, or in the event application is not made within forty-five (45) days of the initiating letter, the applicant must also submit a $225 administrative fee. •  Fee For Three-DRP Panel An additional $500 shall be paid when three (3) DRPs are appointed in accordance with Rule 9. The fee shall be paid by the party requesting three (3) DRPs, or shall be borne equally if the parties agree to appoint three (3) DRPs. •  Fees Assessed for Claims Involving Separate Accidents The Forum shall have the discretion to set and charge additional fees for claims arising from separate accidents included in a single demand. E. Fees for Appeals A party requesting an appeal shall pay an administrative fee of $630. F.    Fees for Copies Parties requesting copying of documents by the Forum shall pay a per page fee set by the Forum. G. Abeyance Fee In the event that a claim is placed in abeyance for any reason other than by order of the court, the Forum shall keep said claim in abeyance with consent of all parties without charge for up to 365 calendar days. If the parties consent to keeping a claim in abeyance for any additional time, the requesting party shall pay an administrative fee of $100 to the Forum to hold the claim in abeyance for an additional 365 calendar days. Any additional requests to hold the matter in abeyance shall require consent of the parties and the payment of an additional administrative fee of $100. In the event that the requesting party fails to pay the required fee, the Forum shall administratively dismiss the matter on notice to all parties.

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NJ Auto Insurance
N.J.S.A. 39:6A-5
g. Personal injury protection coverage benefits pursuant to section 4 of P.L.1972, c.
70 (C.39:6A-4) and medical expense benefits pursuant to section 4 of P.L.1998, c.21
(C.39:6A-3.1) shall be overdue if not paid within 60 days after the insurer is furnished
written notice of the fact of a covered loss and of the amount of same. If such written
notice is not furnished to the insurer as to the entire claim, any partial amount supported
by written notice is overdue if not paid within 60 days after such written notice is
furnished to the insurer. Any part or all of the remainder of the claim that is subsequently
supported by written notice is overdue if not paid within 60 days after such written notice
is furnished to the insurer; provided, however, that any payment shall not be deemed
overdue where, within 60 days of receipt of notice of the claim, the insurer notifies the
claimant or his representative in writing of the denial of the claim or the need for
additional time, not to exceed 45 days, to investigate the claim, and states the reasons
therefor. The written notice stating the need for additional time to investigate the claim
shall set forth the number of the insurance policy against which the claim is made, the
claim number, the address of the office handling the claim and a telephone number,
which is toll free or can be called collect, or is within the claimant's area code. Written
notice to the organization administering dispute resolution pursuant to sections 24 and 25
of P.L.1998, c.21 (C.39:6A-5.1, 39:6A-5.2) shall satisfy the notice request for additional
time to investigate a claim pursuant to this subsection. For the purpose of determining
interest charges in the event the injured party prevails in a subsequent proceeding where
an insurer has elected a 45-day extension pursuant to this subsection, payment shall be
considered overdue at the expiration of the 45-day period or, if the injured person was
required to provide additional information to the insurer, within 10 business days
following receipt by the insurer of all the information requested by it, whichever is later.
For the purpose of calculating the extent to which any benefits are overdue, payment
shall be treated as being made on the date a draft or other valid instrument which is
equivalent to payment was placed in the United States mail in a properly addressed,
postpaid envelope, or, if not so posted, on the date of delivery.
h. All overdue payments shall bear interest at the percentage of interest prescribed in the
Rules Governing the Courts of the State of New Jersey for judgments, awards and orders
for the payment of money.
i. All automobile insurers and the Unsatisfied Claim and Judgment Fund shall provide
any claimant with the option of submitting a dispute under this section to dispute
resolution pursuant to sections 24 and 25 of P.L.1998, c.21 (C.39:6A-5.1, 39:6A-5.2).
 

21-Day PIP Notification Addresses & Links to NJ Auto Insurance Insurer Decision Point Review Plan Information


 

NJ Auto Insurance 21-Day PIP Notification The list below contains the insurer addresses filed with the Department where 21-day notification of the commencement of medical treatment notices should be sent pursuant to N.J.A.C. 11:3-25. The list is updated as further information is received.	Decision Point Review Plan The list below contains links to insurer Decision Point Review Plan information that is required to be on the web pursuant to N.J.A.C. 11:3-4. The list will be updated as insurer plans are approved.
AAA Mid-Atlantic Insurance Company of New Jersey Attention: Gary Kammerer PO Box 5483 Mt. Laurel, NJ 08054 Phone: 1-800-451-5982	Link to DPR Plan
Abielle General Insurance Company Attention: Estelle Grimes AIG Claim Services, Inc. One Valley Square 512 Township Line Road - Suite 200 Blue Bell, PA 19422 Phone: 215-283-5600 Fax: 215-283-5603
Aetna Casualty and Surety Company Attention: Sharon McMahon PO Box 912 Cedar Knolls, NJ 07927 Phone: 201-606-5822 Fax: 201-606-5781
Aetna Insurance Company Attention: Sharon McMahon PO Box 912 Cedar Knolls, NJ 07927 Phone: 201-606-5822 Fax: 201-606-5781
Agway Insurance Company Attention: Paul Foley or Mike Spondello 333 Butternut Drive Dewitt, NY Phone: 315-449-7146 or 1-800-828-6862 Fax: 315-449-7135
AIG Premier Insurance Company Attention: William Murphy 1 Connell Drive - Suite 2100 Berkeley Heights, NJ 07922 Phone: 1-888-724-8881 Fax: 1-866-947-1512
AIU Insurance Company Attention: Estelle Grimes AIG Claim Services, Inc. One Valley Square 512 Township Line Road - Suite 200 Blue Bell, PA 19422 Phone: 215-283-5600 Fax: 215-283-5603
All America Insurance Company Attention: Susan E. Sylvester PO Box 9124 Waltham, MA 02254-9124 Phone: 1-800-359-2233
Allstate New Jersey Insurance Company Attn: Carol Sperling PO Box 250 Pluckemin, NJ 07978 Phone: 908-243-5644	Link to DPR Plan
American Home Assurance Company Attention: Estelle Grimes AIG Claim Services, Inc. One Valley Square 512 Township Line Road - Suite 200 Blue Bell, PA 19422 Phone: 215-283-5600 Fax: 215-283-5603
American International Insurance Company of New Jersey AIG Claim Services 1000 Midlantic Drive PO Box 5460 Mt Laurel, NJ 08054 Phone: 877-886-0916 Fax: 856-642-9237	Link to DPR Plan
American National Fire Insurance Company Attention: David Hubbard, Claims Manager Personal Lines Claims 500 Lanidex Center Parsippany, NJ 07054 Phone: 201-952-9835 Fax: 201-952-9737
American Spirit Insurance Company Attention: David Hubbard, Claims Manager Personal Lines Claims 500 Lanidex Center Parsippany, NJ 07054 Phone: 201-952-9835 Fax: 201-952-9737
AMEX Assurance Company Attention: Stacey Bartz PO Box 19018 Green Bay, WI 54307-9018 Phone: 1-800-872-5246 Fax: 920-330-5334	Link to DPR Plan
Amica Mutual Insurance Company Attention: Christopher J. Murphy PO Box 588 Montvale, NJ 07645-0588 Phone: 1-800-242-6422 Fax: 201-802-0982
Atlantic Employers Insurance Company Attention: Dick Snyder Cigna Brandywine Claims Center 1 Beaver Valley Road PO Box 15588 Wilmington, DE 19850 Phone: 302-479-6007 Fax: 302-479-4395 and 302-479-4396
Atlantic Mutual Insurance Company Attention: Laura Ammerman PO Box 821 Madison, NJ 07940-0821 Phone: 201-408-6155
Automobile Insurance Company of Hartford Connecticut (The) Attention: Gloria Gruchacz PO Box 912 Cedar Knolls, NJ 07927 Phone: 973-359-2065 Fax: 973-606-5781
Bankers Standard Insurance Company Attention: Dick Snyder Cigna Brandywine Claims Center 1 Beaver Valley Road PO Box 15588 Wilmington, DE 19850 Phone: 302-479-6007 Fax: 302-479-4395 and 302-479-4396
Bayside Casualty Insurance Company Attention: Chris Dewaghe PO Box 1988 Valley Forge, PA 19482-1988 Phone: 610-650-5618
Birmingham Fire Insurance Company of Pennsylvania Attention: Estelle Grimes AIG Claim Services, Inc. One Valley Square 512 Township Line Road - Suite 200 Blue Bell, PA 19422 Phone: 215-283-5600 Fax: 215-283-5603
Camden Fire Insurance Association Attention: Tracy Hulley General Accident Insurance Company PO Box 973 Florham Park, NJ 07932 Phone: 201-593-3266 Fax: 201-593-3276
Centennial Insurance Company Attention: Laura Ammerman PO Box 821 Madison, NJ 07940-0821 Phone: 201-408-6155
Central Mutual Insurance Company Attention: Susan E. Sylvester PO Box 9124 Waltham, MA 02254-9124 Phone: 1-800-359-2233
Chubb Group of Insurance Companies 12 Vreeland Road Florham Park, NJ 07932 Phone: 1-800-524-2392
Cigna Fire Underwriters Insurance Company Attention: Dick Snyder Cigna Brandywine Claims Center 1 Beaver Valley Road PO Box 15588 Wilmington, DE 19850 Phone: 302-479-6007 Fax: 302-479-4395 and 302-479-4396
Cigna Indemnity Insurance Company Attention: Dick Snyder Cigna Brandywine Claims Center 1 Beaver Valley Road PO Box 15588 Wilmington, DE 19850 Phone: 302-479-6007 Fax: 302-479-4395 and 302-479-4396
Cigna Insurance Company Attention: Dick Snyder Cigna Brandywine Claims Center 1 Beaver Valley Road PO Box 15588 Wilmington, DE 19850 Phone: 302-479-6007 Fax: 302-479-4395 and 302-479-4396
Cigna Property and Casualty Insurance Company Attention: Dick Snyder Cigna Brandywine Claims Center 1 Beaver Valley Road PO Box 15588 Wilmington, DE 19850 Phone: 302-479-6007 Fax: 302-479-4395 and 302-479-4396
Clarendon National Insurance Company Attention: Melissa Wallace PO Box 2014 Teaneck, NJ 07666 Phone: 201-836-1777 Fax: 201-836-9505	Link to DPR Plan
Colonial Penn Insurance Company Attention: Tom Kelly PO Box 1994 Valley Forge, PA 19482 Phone: 610-650-5827 Fax: 610-650-5828
Commerce and Industry Insurance Company Attention: Estelle Grimes AIG Claim Services, Inc. One Valley Square 512 Township Line Road - Suite 200 Blue Bell, PA 19422 Phone: 215-283-5600 Fax: 215-283-5603
Commercial Insurance Company Attention: Michael Taylor, Division Manager PO Box 2113 Cranbury, NJ 08570 Phone: 609-395-2465 Fax: 609-395-6678
Continental Insurance Comapany of NJ Attention: Michael Taylor, Division Manager PO Box 907 Monmouth Junction, NJ 08852 Phone: 732-398-4120 Fax: 732-398-5015
Continental Casualty Company Attention: Michael Taylor, Division Manager PO Box 907 Monmouth Junction, NJ 08852 Phone: 732-398-4120 Fax: 732-398-5015
Countryway Insurance Company (Formerly Agway Insurance Co) Attention: Paul Foley PO Box 4851 Syracuse, NY 13221 Phone: 315-634-5229 or 1-800-828-6862 Fax: 315-634-5321 E-Mail: pfoley@countryway.com
Eagle Insurance Company Attention: Dana Campisi Metroplex Corporate Center 200 Metroplex Drive Edison, NJ 08817 Phone: 908-777-5889 Fax: 908-777-5280
Electric Insurance Company Attention: Marilyn Grant 152 Conant Street PO Box 1041 Beverly, MA 01915 E-mail: MGRANT@ELECTRIC_INSURANCE.COM Phone: 508-524-5470 Fax: 978-524-5622
Employers Insurance of Wausau Attention: Dana Campisi Metroplex Corporate Center 200 Metroplex Drive Edison, NJ 08817 Phone: 908-777-5889 Fax: 908-777-5280
Esurance Insurance Company c/o NJ Skylands Insurance Co. Attn: PIP Department PO Box 623 Basking Ridge, NJ 07920 Phone: 866-279-7688 Fax: 908-766-8640
Farm Family Casualty Insurance Company Attention: Rosemary Cooke, Medical Claim Unit Manager MS# 10N PO Box 656 Albany, NY 12201-0656 Phone: 518-431-5308 Fax: 518-431-5428
Federal Insurance Company Attention: Dana Dentzer 890 Mountain Avenue New Providence, NJ 07974-1297 Phone: 908-771-6873
Fidelity and Guaranty Insurance Company Attention: Manager of NJ PIP Claims 354 Eisenhower Parkway Livingston, NJ 07039 Phone: 1-800-873-2634
Fidelity and Guaranty Insurance Underwriters, Inc. Attention: Manager of NJ PIP Claims 354 Eisenhower Parkway Livingston, NJ 07039 Phone: 1-800-873-2634
Firemen's Insurance Company of Newark, NJ Attention: Michael Taylor, Division Manager PO Box 2113 Cranbury, NJ 08570 Phone: 609-395-2465 Fax: 609-395-6678
First General Insurance Company Attention: Howard Bryson 1101 West DeKalb Pike PO Box 60311 King of Prussia, PA 19406 Phone: 1-800-854-6011, Extension 4200 Fax: 610-337-3142
First Trenton Indemnity Company Attention: Sharon McMahon PO Box 906 Cedar Knolls, NJ 07927 Phone: 973-606-5822 Fax: 973-606-5781	Link to DPR Plan
GEICO Casualty Co. GEICO General Insurance Co. GEICO Indemnity Co. Attention: First Report Center PO Box 501 Woodbury, NY 11797 Phone: 1-800-841-3000 FAX: 856-810-4590	Link to DPR Plan
General Accident Insurance Company PO box 973 Florham Park, NJ 07932 FAX: 973-593-3276
Government Employees Insurance Co. Attention: First Report Center PO Box 501 Woodbury, NY 11797 Phone: 1-800-841-3000 FAX: 856-810-4590	Link to DPR Plan
Graphic Arts Mutual Insurance Co Attention: Dan A. DeAngelo 104 Interchange Plaza Cranbury, NJ 08512-9561 Phone: 609-868-6800 Fax: 609-860-6899	Link to DPR Plan
Granite State Insurance Company Attention: Estelle Grimes AIG Claim Services, Inc. One Valley Square 512 Township Line Road - Suite 200 Blue Bell, PA 19422 Phone: 215-283-5600 Fax: 215-283-5603
Great American Insurance Company Attention: David D. Hubbard 500 Lanidex Center Parsippany, NJ 07054 Phone: 201-952-9835 Fax: 201-952-9737
Great Northern Insurance Company Attention: Dana Dentzer 890 Mountain Avenue New Providence, NJ 07974-1297 Phone: 908-771-6873
Greater New York Mutual Insurance Company Attention: Richard Boggia 377 Summerhill Road East Brunswick, NJ 08816 Phone: 908-238-6300 Fax: 908-238-3781
GSA Insurance Company Attention: Dana Campisi Metroplex Corporate Center 200 Metroplex Drive Edison, NJ 08817 Phone: 908-777-5889 Fax: 908-777-5280
Hanover Insurance Company Hanover New Jersey Insurance Company Attn: Dionjonai Elzy - PIP Claims PO Box 1299 Piscataway, NJ 08855 Phone: 1-800-257-5720 Email: delzy@hanover.com	Link to DPR Plan
Harleysville-Garden State Insurance Company Harleysville Insurance Company of New Jersey Harleysville Mutual Insurance Company Harleysville Preferred Insurance Company Attention: PIP Supervisor Harleysville Insurance Companies PIP Medical - 1st Notice PO Box 44 Moorestown, NJ 08057-0044 Phone: 1-800-322-5521	Link to DPR Plan
Hartford Underwriters Insurance Company Attention: Mary Beth Riester Red Bank Full Service Claim Office 230 Half Mile Road PO Box 7002 Red Bank, NJ 07701-7002 Phone: 908-747-5445 Fax: 908-219-0767
High Point Preferred Insurance Company Attention: Anthony LoCastro One River Center - Building 3 331 Newman Springs Road Red Bank, NJ 07701 Phone: 1-800-258-1476 Fax: 732-978-7134 E-Mail: anthony.locastro@highpointins.com	Link to DPR Plan
High Point Property and Casualty Insurance Company Attention: Frank Hruska One River Center - Building 3 331 Newman Springs Road Red Bank, NJ 07701 Phone: 1-800-258-1476 Fax: 732-978-7134 E-Mail: frank.hruska@highpointins.com	Link to DPR Plan
High Point Safety and Insurance Company Attention: Frank Hruska One River Center - Building 3 331 Newman Springs Road Red Bank, NJ 07701 Phone: 1-800-258-1476 Fax: 732-978-7134 E-Mail: frank.hruska@highpointins.com	Link to DPR Plan
Home Insurance Company c/o Risk Enterprise Management Attention: John Battles 59 Maiden Lane - 40th Floor New York, NY 10038 Phone: 212-530-3520 Fax: 212-530-3100
Home State Insurance Company Attention: Margaret R. Ryan 1030 Broad Street Shrewsbury, NJ 07702-4313 Phone: 908-544-5728 Fax: 908-935-0180
Horace Mann Insurance Company Attention: Richard Santangelo, Manager 9100 Purdue Road - Suite 205 Indianapolis, IN 46268 Phone: 317-872-0503 or 1-800-753-2138 Fax: 317-872-2704
Huron Insurance Company Attention: PIP Supervisor Harleysville Insurance Companies PIP Medical - 1st Notice PO Box 44 Moorestown, NJ 08057-0044 Phone: 1-800-322-5521
IFA Insurance Company Attention: Bobbi Morin 123 North Union Avenue Cranford, NJ 07016 Phone: 908-276-4480	Link to DPR Plan
Illinois National Insurance Company Attention: Estelle Grimes AIG Claim Services, Inc. One Valley Square 512 Township Line Road - Suite 200 Blue Bell, PA 19422 Phone: 215-283-5600 Fax: 215-283-5603
Indemnity Insurance Company of North America Attention: Dick Snyder Cigna Brandywine Claims Center 1 Beaver Valley Road PO Box 15588 Wilmington, DE 19850 Phone: 302-479-6007 Fax: 302-479-4395 and 302-479-4396
Insurance Company of North America Attention: Dick Snyder Cigna Brandywine Claims Center 1 Beaver Valley Road PO Box 15588 Wilmington, DE 19850 Phone: 302-479-6007 Fax: 302-479-4395 and 302-479-4396
Insurance Company of the State of Pennsylvania Attention: Estelle Grimes AIG Claim Services, Inc. One Valley Square 512 Township Line Road - Suite 200 Blue Bell, PA 19422 Phone: 215-283-5600 Fax: 215-283-5603
Interboro Mutual Indemnity Insurance Company Attention: David Neil 155 Mineola Boulevard Mineola, NY 11501 Phone: 516-248-1100, Extension: 513 Fax: 516-248-5734
John Deere Insurance Company Attention: Craig Brown or Joe Adam 3400 80th Street Moline, IL 61265 Phone: 309-765-8017 Fax: 309-765-8046
Keystone Insurance Company Attention: Gary Kammerer PO Box 5483 Mt. Laurel, NJ 08054 Phone: 1-800-451-5982
Liberty Mutual Insurance Group Attention: Pam Benjamin PO Box 1050 Marlton, NJ 08053 Phone: 1-800-486-6152, Extension: 741 FAX: 856-596-4280 E-Mail: Pam.Benjamim@libertymutual.com	Link to DPR Plan
Maryland Casualty Company Attention: First Report Department PO Box 14013 New Brunswick, NJ 08906-4013 Phone: 908-777-5889 Fax: 908-777-5280
Merchants Insurance Company of New Hampshire Attention: Stephen A. Reilly 309 Fellowship Road PO Box 868 Moorestown, NJ 08057 Phone: 609-235-8890 Extension: 270 Fax: 609-273-8342
Merchants Mutual Insurance Company Attention: Stephen A. Reilly 309 Fellowship Road PO Box 868 Moorestown, NJ 08057 Phone: 609-235-8890 Extension: 270 Fax: 609-273-8342
Mercury Insurance Co. Attention: Donna Arfmann 1901 Ulmerton Road - 6th Floor Clearwater, FL 33762-2307 Phone: 1-800-489-7001 Extension: 3232 FAX: 727-329-3768
Met Life National Healthcare Resources 10 Woodbridge Center Drive Woodbridge, NJ 07095 Phone: 1-888-450-8200
Metropolitan Group Insurance Attention: Debbie Clements Albany Field Claim Office PO Box 12209 Albany, NY 12212 Phone: 1-800-854-6011, Extension: 4187 Fax: 610-337-3142
Metropolitan Property and Casualty Insurance Company Attention: Debbie Clements Albany Field Claim Office PO Box 12209 Albany, NY 12212 Phone: 1-800-854-6011, Extension: 4187 Fax: 610-337-3142
Michigan Mutual Insurance Company Attention: James R. Kohloff 26777 Halsted Farmington Hills, MI 48331-3586 Phone: 810-615-9000 Fax: 810-615-8372
Motor Club of America Insurance Company Attention: Tarenda Scott 95 Route 17 South Paramus, NJ 07653-0931 Phone: 201-291-2093 Fax: 201-291-2128
National Consumer Insurance Company Attention: Dana Campisi Metroplex Corporate Center 200 Metroplex Drive Edison, NJ 08817 Phone: 908-777-5889 Fax: 908-777-5280
National Continental Insurance Company (serving carrier for NJ CAIP only) Attention: Mary Bright PO Box 7637 Princeton, NJ 08543 Phone: 609-750-2138 or 1-800-444-0013 Fax: 888-278-1586 E-mail: mary_bright@progressive.com
National General Insurance Company Attention: Bill Harlow One National General Plaza PO Box 66937 St. Louis, MO 63166-6937 Phone: 888-233-4575 Extension: 8735 Fax: 314-435-3851	Link to DPR Plan
National Union Fire Insurance Company of Pittsburgh, Pa. Attention: Estelle Grimes AIG Claim Services, Inc. One Valley Square 512 Township Line Road - Suite 200 Blue Bell, PA 19422 Phone: 215-283-5600 Fax: 215-283-5603
New Hampshire Insurance Company (LAD) Attention: Estelle Grimes AIG Claim Services, Inc. One Valley Square 512 Township Line Road - Suite 200 Blue Bell, PA 19422 Phone: 215-283-5600 Fax: 215-283-5603	Link to DPR Plan
New Jersey Citizens United Reciprocal Exchange (NJCURE) Attention: Nancy Waddle 13 Roszel Road Princeton, NJ 08540 Phone: 609-520-0800
New Jersey Indemnity Insurance Company Attention: Beth Harner PO Box 128 West Trenton, NJ 08628-0118 Phone: 609-883-1300, Extension: 5410 Fax: 609-493-1277
New Jersey Manufacturers Insurance Company Attention: Beth Harner PO Box 128 West Trenton, NJ 08628-0118 Phone: 609-883-1300, Extension: 5410 Fax: 609-493-1277	Link to DPR Plan
New Jersey Property-Liability Insurance Guaranty Association	Link to DPR Plan
New Jersey Re-Insurance Company Attention: Beth Harner PO Box 128 West Trenton, NJ 08628-0118 Phone: 609-883-1300, Extension: 5410 Fax: 609-493-1277	Link to DPR Plan
Newark Insurance Company Metroplex Corporate Center 200 Metroplex Drive Edison, NJ 08817 Phone: 732-777-5300 Fax: 732-777-5840
Nichido Fire and Marine Insurance Company (US Branch) Attention: Estelle Grimes AIG Claim Services, Inc. One Valley Square 512 Township Line Road - Suite 200 Blue Bell, PA 19422 Phone: 215-283-5600 Fax: 215-283-5603
Northern Insurance Company of New Jersey Attention: First Report Department PO Box 14013 New Brunswick, NJ 08906-4013 Phone: 908-777-5889 Fax: 908-777-5280
Ohio Casualty Insurance Company Attention: Gary E. Kammerer Ohio Casualty Claim Department PO Box 1951 Voorhees, NJ 08043 Phone: 609-627-3100
Pacific Employers Insurance Company Attention: Dick Snyder Cigna Brandywine Claims Center 1 Beaver Valley Road PO Box 15588 Wilmington, DE 19850 Phone: 302-479-6007 Fax: 302-479-4395 and 302-479-4396
Pacific Indemnity Company Attention: Dana Dentzer 890 Mountain Avenue New Providence, NJ 07974-1297 Phone: 908-771-6873
Palisades Insurance Company Attention: Matthew Walsh PO Box 46 Newark, NJ 07101 Phone: 1-800-696-2858 E-Mail: Mwalsh@Palisades.com FAX: 908-790-7856	Link to DPR Plan
Palisades Safety and Insurance Association Attention: Matthew Walsh PO Box 46 Newark, NJ 07101 Phone: 1-800-696-2858 E-Mail: Mwalsh@Palisades.com FAX: 908-790-7856	Link to DPR Plan
Parkway Insurance Company Attention: Dean Vintch PO Box 6887 Bridgewater, NJ 08807 Phone: 1-800-821-1818, Extension: 3830 Fax: 908-685-7563	Link to DPR Plan
Penn Millers Insurance Company Attention: Elmer Nalevanko PO Box P Wilkes-Barre, PA 18773-0016 Phone: 1-800-233-8347 Fax: 570-829-2060 E-Mail: enalevanko@pennmillers.com
Pennsylvania Millers Mutual Insurance Company Attention: Joseph O'Brien PO Box P Wilkes-Barre, PA 18773-0016 Phone: 1-800-233-8347 Fax: 717-829-2060
Pennsylvania National Mutual Casualty Insurance Company Attention: Richard Swieconek, Claims Manager New Jersey Claims Service Office 340 Scotch Road West Trenton, NJ 08628 Phone: 609-883-5111 Extension: 5601 Fax: 609-883-8537
Proformance Insurance Company Attention: Linda Reina 4 Paragon Way Freehold, NJ 07728 Phone: 732-665-1100 Fax: 732-303-6737	Link to DPR Plan
Progressive Group (Progressive Freedom Insurance Company, Progressive Garden State Insurance Company, Drive NJ Insurance Company) Attention: Gordon Dickenson 485 Route 1 South - Bldg. A, Suite 470 Iselin, NJ 08830 Phone: 732-726-5624 or 1-800-PROGRESSIVE	Link to DPR Plan
Providence Washington Insurance Company Attention: Rosemarie B. Shields, Senior Filings Analyst Claims Department 88 Boyd Avenue East Providence, RI 02914-1231 Phone: 1-800-408-6359 Fax: 1-800-519-2859
Prudential Property and Casualty Insurance Company of New Jersey (See High Point Insurance)
Public Service Mutual Insurance Company Attention: Leslie Myrie or Michele Woodson 132 West 31st Street New York, NY 10001 Phone: 212-560-5121 or 212-560-5116 Fax: 212-947-4019
Quaker City Insurance Company Attention: Margaret R. Ryan 1030 Broad Street Shrewsbury, NJ 07702-4313 Phone: 908-544-5728 Fax: 908-935-0180
Quincy Mutual Fire Insurance Company Attention: PIP Supervisor 57 Washington Street Quincy, MA 02269 Phone: 1-800-899-1116 Fax: 1-800-899-7790 Contact Person: William Zukes
Red Oak Insurance Company Attention: Sharon McMahon PO Box 906 Cedar Knolls, NJ 07927 Phone: 973-606-5822 Fax: 973-606-5781
Republic-Franklin Insurance Co Attention: Dan A. DeAngelo 104 Interchange Plaza Cranbury, NJ 08512-9561 Phone: 609-860-6800 Fax: 609-860-6899
Rutgers Casualty Insurance Company Attention: Leslie Braytenbah 2250 Chapel Avenue West - Suite 200 Cherry Hill, NJ 08002 Phone: 856-779-0600
Selective Insurance Company of America Attention: Richard Wilson, Claims Manager PO Box 7950 Trenton, NJ 08650 Phone: 1-800-365-9656 FAX: 609-631-0795
Selective Way Insurance Company Attention: Richard Wilson, Claims Manager PO Box 7950 Trenton, NJ 08650 Phone: 1-800-365-9656 FAX: 609-631-0795
Seneca Insurance Company Attention: Frank Donahue 160 Water Street New York, NY 10038 Phone: 212-344-3000 Fax: 212-422-7541
Sentry Insurance Company Attention: Paula Litchfield 3 Carlisle Road PO Box 584 Westford, MA 01886 Phone: 508-392-7068
State Farm Indemnity Company Attention: Steven Seetoo PO Box 92 Concordville, PA 19331-0092 Phone: 1-888-713-4694	Link to DPR Plan
TIG Insurance Company Attention: Rick Thorpe PO Box 1985 70 West Michigan Avenue Battle Creek, MI 49016 Phone: 1-800-848-9978 Extension: 4999 Fax: 1-800-848-9983
Tokio Marine and Fire Insurance Company Ltd Attention: Bob Henderson, Assistant Manager 101 Park Avenue New York, NY 10178 Phone: 212-297-6733 Fax: 212-986-6898
Trans Pacific Insurance Company Attention: Bob Henderson, Assistant Manager 101 Park Avenue New York, NY 10178 Phone: 212-297-6733 Fax: 212-986-6898
Travelers Casualty and Surety Company Attention: Gloria Gruchacz PO Box 912 Cedar Knolls, NJ 07927 Phone: 973-359-2065 Fax: 973-606-5781
Travelers Property Casualty Insurance Company Attention: Gloria Gruchacz PO Box 912 Cedar Knolls, NJ 07927 Phone: 973-359-2065 Fax: 973-606-5781
Union & Phenix Espanol Insurance Company (US Branch) Attention: Estelle Grimes AIG Claim Services, Inc. One Valley Square 512 Township Line Road - Suite 200 Blue Bell, PA 19422 Phone: 215-283-5600 Fax: 215-283-5603
United Services Automobile Association Attention: Mike Bixby, Auto Claims Supervisor Northeast Region Claims Department PO Box 33490 San Antonio, TX 78265 Phone: 210-498-3232 Fax: 210-498-4011 and 210-498-4012
United States Fidelity and Guaranty Company 9001 Weslayan Road - Suite 400 Indianapolis, IN 46268-1176 Phone: 1-800-873-2634
Unitrin Direct Insurance Company Attention: Cheri Martinozzi 502 West Germantown Pike - Suite 900 Plymouth Meeting, PA 19462 Phone: 1-877-270 5702 Fax: 610-276-3931
Universal Underwriters Insurance Company Attention: Regional Claims Manager - Suite 206 100 Walnut Avenue Clark, NJ 07066 Phone: 908- 396-8500 Fax: 908-396-8509
USAA Casualty Insurance Company Attention: Glenda Flores Northeast Region Claims Department PO Box 33490 San Antonio, TX 78265 Phone: 1-800-531-8222 Fax: 210-498-4011 and 210-498-4012
Utica Mutual Insurance Co. Attention: Dan A. DeAngelo 104 Interchange Plaza Cranbury, NJ 08512-9561 Phone: 609-860-6800 Fax: 609-860-6899	Link to DPR Plan
Valley Forge Insurance Company Attention: Michael Taylor, Division Manager PO Box 2113 Cranbury, NJ 08570 Phone: 609-395-2465 Fax: 609-395-6678
Vigilant Insurance Company Attention: Dana Dentzer 890 Mountain Avenue New Providence, NJ 07974-1297 Phone: 908-771-6873
Wausau Underwriters Insurance Company Attention: Dana Campisi Metroplex Corporate Center 200 Metroplex Drive Edison, NJ 08817 Phone: 908-777-5889 Fax: 908-777-5280
West American Insurance Company Attention: Gary E. Kammerer Ohio Casualty Claim Department PO Box 1951 Voorhees, NJ 08043 Phone: 609-627-3100
Yasuda Fire and Marine Insurance Company of America Two World Financial Center 225 Liberty Street - 43rd Floor New York, NY 10281-1058 Phone: 1-800-444-6870 Extension: 340 or 212-416-1340 Fax: 212-416-1285 or 212-416-1284 E-Mail: itorres@yasudaamerica.com
York Insurance Company Attention: Rosemarie B. Shields, Senior Filings Analyst Claims Department 88 Boyd Avenue East Providence, RI 02914-1231 Phone: 1-800-408-6359 Fax: 1-800-519-2859


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