N.J. Admin. Code § Tit. 11, ch. 3, subch. 46, app APPENDIX

Current through Register Vol. 56, No. 23, December 2, 2024

Appendix - APPENDIX

$ GZip Code	Town	County	Territory
$
07302	Jersey City	Hudson	1
07303	Jersey City	Hudson	1
07304	Jersey City	Hudson	1
07305	Jersey City	Hudson	1
07306	Jersey City	Hudson	1
07307	Jersey City	Hudson	1
07309	Jersey City	Hudson	1
07310	Jersey City	Hudson	1
07311	Jersey City	Hudson	1
07047	N. Bergen	Hudson	1
07087	Union City/Weehawken	Hudson	1
07093	West New York/Guttenberg	Hudson	1
07101	Newark	Essex	2
07102	Newark	Essex	2
07103	Newark	Essex	2
07104	Newark	Essex	2
07105	Newark	Essex	2
07106	Newark	Essex	2
07107	Newark	Essex	2
07108	Newark	Essex	2
07112	Newark	Essex	2
07114	Newark	Essex	2
07011	Clifton	Passaic	3
07012	Clifton	Passaic	3
07013	Clifton	Passaic	3
07014	Clifton	Passaic	3
07026	Garfield	Bergen	3
07506	Hawthorne	Passaic	3
07507	Hawthorne	Passaic	3
07424	Little Falls/W. Paterson	Passaic	3
07055	Passaic	Passaic	3
07501	Paterson	Passaic	3
07502	Paterson	Passaic	3
07503	Paterson	Passaic	3
07504	Paterson	Passaic	3
07505	Paterson	Passaic	3
07509	Paterson	Passaic	3
07510	Paterson	Passaic	3
07513	Paterson	Passaic	3
07514	Paterson	Passaic	3
07522	Paterson	Passaic	3
07524	Paterson	Passaic	3
07533	Paterson	Passaic	3
07543	Paterson	Passaic	3
07544	Paterson	Passaic	3
07057	Wallington	Bergen	3
07201	Elizabeth	Union	4
07202	Elizabeth	Union	4
07206	Elizabeth	Union	4
07207	Elizabeth	Union	4
07208	Elizabeth	Union	4
08601	Trenton	Mercer	6
08602	Trenton	Mercer	6
08603	Trenton	Mercer	6
08605	Trenton	Mercer	6
08607	Trenton	Mercer	6
08608	Trenton	Mercer	6
08609	Trenton	Mercer	6
08611	Trenton	Mercer	6
08618	Trenton	Mercer	6
08629	Trenton	Mercer	6
08638	Trenton	Mercer	6
08030	Gloucester	Camden	7
08101	Camden	Camden	7
08102	Camden	Camden	7
08103	Camden	Camden	7
08104	Camden	Camden	7
08105	Camden	Camden	7
08861	Perth Amboy	Middlesex	8
08862	Perth Amboy	Middlesex	8
08401	Atlantic City	Atlantic	19
07109	Belleville	Essex	22
07111	Irvington	Essex	22
07017	E. Orange	Essex	38
07018	E. Orange	Essex	38
07019	E. Orange	Essex	38
07050	Orange City	Essex	38
07051	Orange City	Essex	38
07061	Plainfield	Union	39
07062	Plainfield	Union	39
07063	Plainfield	Union	39
08901	New Brunswick	Middlesex	40
08903	New Brunswick	Middlesex	40
08906	New Brunswick	Middlesex	40

Exhibit B

Calculation of UEZ Shares:

1. In-Force Exposures reported by zip code are combined for individual companies that are part of a group. Also, the in-force exposures reported for individual zip codes are combined for all UEZs.

2. The "Statewide Market Share" for an automobile insurer is calculated by dividing the total number of in-force exposures reported on the quarterly in-force report minus the total number of exposures in UEZs as of September 30 by the total number of in-force exposures in the state.

3. The "Individual UEZ Share" is the number of exposures a company or group should be writing in all UEZs combined. The Individual UEZ Share is calculated by multiplying an automobile insurer's statewide market share times the total number of exposures in all the UEZ's.

4. Each automobile insurer's "Individual UEZ Shortfall" is calculated by subtracting the number of its in-force exposures in all UEZs from its Individual UEZ share. A negative number indicates that the company exceeded its statewide market share in that UEZ. Example:

To illustrate how these calculations are made, the example below uses two automobile insurers. Group A consists of Company 1 and Company 2. Company B is a single company. Two municipalities, E. Orange and Elizabeth, are used in the example to represent all UEZs.

In-Force Exposures Reported to Department

Group A
Zip Code	Town	Company 1	Company 2	Group	Company B
Atotal
07017	E. Orange	91	7	98	38
07018	E. Orange	39	10	49	24
07019	E. Orange	4	6	10	8
total	E. Orange	157	70
07201	Elizabeth	4	6	10	78
07202	Elizabeth	71	13	84	253
07206	Elizabeth	114	13	127	61
07207	Elizabeth	14	0	14	136
07208	Elizabeth	7	2	9	125
total	Elizabeth	244	653

In-Force Exposures for Individual Zip Code and Insurer Groups Combined

Total In-Force
Group A	Company B	Exposures in
UEZ
All UEZs	401	723	60,000

Calculation of Statewide Market Share

Total In-Force
Group A	Company B	Exposures in
State
Total in-force	242,000	49,000	4,400,000
less UEZs	401	723
241,599	48,277
Market share	5.51%	1.10%

Calculation of Individual UEZ Shares

Group A	Company B
UEZ in-force	3,295	658

Calculation of Individual UEZ Shortfalls

Group A	Company B
UEZ in-force	401	723
UEZ Share	3,295	658
Total Shortfall	2,894	- 65

N.J. Admin. Code Tit. 11, ch. 3, subch. 46, app APPENDIX

Amended by R.1999 d.218, effective 7/19/1999.
See: 31 N.J.R. 920(a), 31 N.J.R. 1927(a).
In Exhibit A, inserted references to the towns of Perth Amboy and Plainfield; and added Exhibit C.
Amended by R.2014 d.004, effective 1/6/2014.
See: 45 N.J.R. 1886(a), 46 N.J.R. 86(a).
Former Exhibit C, UEZ Quarterly In-Force Exposure Report Required by N.J.A.C. 11:3-4, repealed.