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Below is a listing of the documents that are available. Simply click on the document title to select that documents. The index is updated on a regular basis.
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Personal auto
1994 ISO personal auto policy revisions
A comprehensive overview of revisions made in the 1994 ISO Personal Auto policy including off-road vehicles, temporary substitutes, electronic equipment and much more. 2 pages
1998 ISO personal auto policy revisions
Overviews 19 changes made to the ISO Personal Auto policy with an in-depth explanation of each. 6 pages
A fresh new 2018 Personal Auto Policy
Offers an overview of the changes made to ISO’s PP 00 01 policy form. 2 pages
Interpreting the PAP furnished car exclusion
This discussion of denial of coverage for a furnished auto provides two argument scenarios for the ISO policy’s B.2 and B.3 exclusions. 2 pages
ISO 2005 PAP undergoes mostly cosmetic changes, but ...
Discusses the substantive revisions made to the ISO Personal Auto Policy (PP 00 01 01 05). 3 pages
Named nonowner policy
An in-depth resource kit on the purpose and application of the Named Nonowner Coverage endorsement. 4 pages
New Jersey auto insurance buyer’s guide
A consumer explanation of auto insurance policy terms, requirements, options and worksheets to shop around for the best rate. 16 pages
New Jersey Department of Banking and Insurance 21-day PIP notification company addresses
Listing of the company addresses that are indicated on the New Jersey identification cards for the 21-day personal injury protection notification. 11 pages
New Jersey’s 2021 auto insurance complaint ratios (released 2022)
Listing of New Jersey automobile insurance carriers by complaints based on 2016 studies. 1 page
Not your father’s auto risks
From telematics to autonomous vehicles and ride hailing, this resource kit discusses how much the auto insurance market is evolving. 3 pages
Personal auto extended nonowned coverage
An in-depth discussion of the proper use of the Extended Nonowned Coverage—Vehicles Furnished Or Available For Regular Use endorsement. 3 pages
Sample customer letter—transportation network companies
This resource kit offers a sample customer letter regarding using your personal vehicle as a Lyft or Uber driver. 1 page
Sample personal-lines automobile change in risk letter
A sample letter advising your policyholders of the need to notify their carriers when they have a change in risk. 1 page
Sample personal-lines automobile step-down provision letter
A sample consumer letter that outlines the personal-lines step-down provision in personal automobile policies. 1 page
Who is really driving Miss Daisy?
This document discusses issues surrounding undisclosed operators as it relates to personal auto policies. 3 pages