Bill
Bill > A3665
NJ A3665
NJ A3665Prohibits use of gap in automobile insurance coverage as rating factor in automobile insurance underwriting under certain circumstances.
summary
Introduced
01/13/2026
01/13/2026
In Committee
01/13/2026
01/13/2026
Crossed Over
Passed
Dead
Introduced Session
2026-2027 Regular Session
Bill Summary
This bill provides that no underwriting rule shall operate in such a manner as to assign a risk to a rating plan on the basis that a previously insured applicant has had a lapse as a named insured under an automobile insurance policy for any period of time.
AI Summary
This bill amends existing New Jersey law to prohibit automobile insurance companies from using a gap in coverage as a reason to charge a higher premium or deny insurance to a previously insured applicant. Specifically, it adds a provision stating that no underwriting rule, which are the guidelines insurers use to decide who to insure and at what price, can be structured to assign a risk to a rating plan based on the fact that a person had a period of time without automobile insurance. This change aims to prevent insurers from penalizing individuals for having a lapse in their coverage, regardless of how long that lapse lasted, when determining their insurance rates or eligibility.
Committee Categories
Business and Industry
Sponsors (1)
Last Action
Introduced, Referred to Assembly Financial Institutions and Insurance Committee (on 01/13/2026)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://www.njleg.state.nj.us/bill-search/2026/A3665 |
| BillText | https://pub.njleg.gov/Bills/2026/A4000/3665_I1.HTM |
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