N.J. Admin. Code § 11:3-15.7

Current through Register Vol. 56, No. 21, November 4, 2024

Section 11:3-15.7 - Use of coverage selection form; availability

(a) For all new policies, an insurer or an insurance producer shall receive a Coverage Selection Form signed by the named insured and indicating the prospective insured's coverage choices. Coverage shall not become effective until the signed Coverage Selection Form is received from the named insured, unless otherwise authorized by law.

(b) For the mid-term policy changes set forth in (b)1 through 5 below, the insurer shall receive a Coverage Selection Form signed by the named insured prior to making the change.

1. Change of policy type to Standard or Basic;

2. Change of Lawsuit Option (Standard Policy only):

3. Change of primary coverage for PIP medical expense benefits coverage (from or to Health Insurer Primary) (Standard Policy only);

4. Change in PIP Medical Expense Coverage Limit (Standard Policy only); and

5. Addition or deletion of Liability Coverage (Basic Policy only).

(c) An insurer may require that other policy changes be made by signed Coverage Selection Form.

(d) All coverage changes that are required to be made by a signed Coverage Selection Form, either by this subchapter or by the insurer, shall become effective in the following manner, except when coverage for comprehensive or collision is effected by a required inspection pursuant to N.J.A.C. 11:3-36.

1. For new policies, the choices on the Coverage Selection Form shall be effective on the policy effective date ;

2. For mid-term policy changes, the choices on the Coverage Selection Form shall be effective the day following the date of postmark or, when personal delivery is made or if the postmark is illegible, the day following receipt of the signed Coverage Selection Form by the insurer or an insurance producer. If the change is made electronically, the change shall be effective the day following date of receipt as determined in accordance with 12A:12-15;

3. For changes upon renewal, the changes shall be effective on the date of the next policy renewal if postmarked or received by the insurer or by an insurance producer prior to the renewal date.

N.J. Admin. Code § 11:3-15.7

New Rule, R.1989 d.117, effective 2/21/1989.
See: 20 N.J.R. 2984(a), 21 N.J.R. 558(b).
Section was "Statement on the possible coordination of other health benefits coverage with the personal injury protection medical expense options".
Amended by R.1989 d.624, effective 12/18/1989 (operative January 1, 1990).
See: 21 N.J.R. 3244(a), 21 N.J.R. 3922(a).
Amendments made to bring rule in line with changes in N.J.S.A. 39:6A-23 made by P.L. 1988 c.119.
Amended by R.1990 d.580, effective 11/19/1990 (operative January 1, 1991).
See: 22 N.J.R. 1681(a), 22 N.J.R. 3488(b).
Amended to be consistent with N.J.A.C. 11:3-15.6; the text of the Coverage Selection Form is amended both to clarify the current Form and requirements and to respond to changes required by the "Fair Automobile Insurance Reform Act of 1990".
R.1992 d.218, effective 5/18/1992.
See: 24 N.J.R. 523(a), 24 N.J.R. 1898(b).
In (h), added Note to 3, Warning statement to 7 and 8, and prohibition against domicile misstatement to (2).
Amended by R.1994 d.195, effective 4/18/1994.
See: 26 N.J.R. 85(a), 26 N.J.R. 1659(a).
Amended by R.1996 d.58, effective 2/5/1996.
See: 27 N.J.R. 3682(a), 28 N.J.R. 855(a).
Amended by R.1998 d.412, effective 8/3/1998.
See: 30 N.J.R. 1747(a), 30 N.J.R. 2927(a).
In (a), substituted "of sufficient size to be easily readable" for "size eight and one-half inches by 11 inches" at the end of the first sentence.
Repeal and New Rule, R.1998 d.595, effective 12/21/1998 (operative March 22, 1999).
See: 30 N.J.R. 3577(a), 30 N.J.R. 4452(a).
Section was "Minimum standards for coverage selection form".
Amended by R.2001 d.44, effective 2/5/2001.
See: 32 N.J.R. 3891(a), 33 N.J.R. 573(a).
In (e), inserted the second sentence.
Amended by R.2004 d.117, effective 3/15/2004.
See: 35 N.J.R. 3523(a), 36 N.J.R. 1420(a).
In (b)1, substituted "Standard to Basic" for "from Basic to Standard or Standard to Basic".
Amended by R.2005 d.83, effective 3/7/2005.
See: 36 N.J.R. 4207(a), 37 N.J.R. 775(a).
In (d), inserted the last sentence in 2; deleted (e).