Consumers/Policy Makers

Consumer/Policy Maker Resources

The ICNJ has put together these resources to provide insight on questions about the insurance industry in New Jersey for both Consumers and Policy Makers.

New Jersey Disaster Resources

• Hurricane season insurance guide
• NJ DOBI Consumer Guide to Insurance and Natural Disasters
• Insurers that write private flood insurance policies in New Jersey
• Filing a business insurance claim after a disaster
• Homeowners Disaster Recovery Insurance Manual
• What to do if your car is caught in a flood
• Understanding and managing flood risk: A guide for elected officials

News

• ICNJ Press Release: NJ Uninsured Motorist Rate Lowest in the Nation
• ICNJ Whitepaper on Impact of Underwriting Restrictions

New Jersey Department of Banking and Insurance Homeowners Information

• Insuring Your Home Consumer Guide
• Home Insurance Basics
• Homeowner’s Insurance Frequently Asked Questions for Insurance Proceeds Checks

Insurance Information Institute Homeowners Information

• What is homeowners insurance?
• What coverage is included in a standard homeowners insurance policy?
• Are there different types of policies?
• What type of insurance do I need for a co-op or condo?
• Does My Homeowners Insurance Cover Flooding?
• What types of disasters are covered by my homeowners insurance?
• What Type of Insurance Do I Need If I’m Renting Out My Home?
• Trees and Insurance
• Understanding Your Insurance Deductible

Auto Insurance Information

• New Jersey Auto Insurance Buyer’s Guide
• Consider what insurance coverage you need. First, review your policy and check your current limits for each coverage section such as liability, collision, comprehensive, Personal Injury Protection (PIP) which is the medical coverage for auto accidents, and additional mandatory features such as uninsured and underinsured motorist coverage. Next, decide whether your current coverage selections are at the levels that best fit your needs, and whether selected deductibles-which you will have to pay if you make a claim-are at amounts that you can afford. The Department provides an interactive guide to determine which coverage is best for you: http://www.state.nj.us/dobi/autoplanner.htm

New Jersey State Resources

• New Jersey Department of Banking and Insurance
  • Private Passenger Auto and Homeowners In-Force Exposures Reports 
• New Jersey Legislature
• New Jersey State Government
• New Jersey Office of the Insurance Fraud Prosecutor
• New Jersey Medicaid Fraud Control Unit
• New Jersey Division of Workers’ Compensation
• Compensation Rating & Inspection Bureau
• New Jersey Statutes
• New Jersey Regulations

General Insurance Information

• Insurance Information Institute