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A1681 • 2026

Concerns automobile insurance practices.

Concerns automobile insurance practices.

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor
Reynolds-Jackson, Verlina
Last action
2026-01-13
Official status
Introduced, Referred to Assembly Financial Institutions and Insurance Committee
Effective date
Not listed

Plain English Breakdown

Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.

Concerns automobile insurance practices.

Concerns automobile insurance practices.

What This Bill Does

  • Concerns automobile insurance practices.
  • Topic: Financial Institutions and Insurance Fiscal note: This bill has not been certified by OLS for a fiscal note.

Limits and Unknowns

  • This entry is temporarily using official source text because the generated explanation could not be confirmed against the official bill text during the last sync.

Bill History

  1. 2026-01-13 New Jersey Legislature

    Introduced, Referred to Assembly Financial Institutions and Insurance Committee

Official Summary Text

Concerns automobile insurance practices.
Topic:
Financial Institutions and Insurance
Fiscal note:
This bill has not been certified by OLS for a fiscal note.

Current Bill Text

Read the full stored bill text 
A1681

ASSEMBLY, No. 1681

STATE OF NEW JERSEY

222nd LEGISLATURE

�

PRE-FILED FOR INTRODUCTION IN THE 2026 SESSION

Sponsored by:

Assemblywoman VERLINA REYNOLDS-JACKSON

District 15 (Hunterdon and Mercer)

SYNOPSIS

���� Concerns automobile insurance practices.

CURRENT VERSION OF TEXT

���� Introduced Pending Technical Review by Legislative
Counsel.

��

An Act
concerning automobile insurance practices and
supplementing Title 17 of the Revised Statutes.

����
Be It
Enacted
by the Senate and General Assembly of
the State of New Jersey:

���� 1.��� The Commissioner of
Banking and Insurance shall conduct an investigation of practices of the
automobile insurance industry of this State in regard to increases in
automobile insurance premiums for drivers who have had motor vehicle driver�s
license suspensions and prepare a comparison between increases for drivers
whose suspensions are for offenses relating to driving and increases for
drivers whose suspensions are for offenses not related to driving.� As part of
the investigation, the commissioner shall evaluate the use of credit ratings
and addresses in determining automobile insurance premiums for drivers.� In
performing the investigation, the commissioner shall determine whether factors
such as non-driving related suspensions and credit ratings justify an increase
in automobile insurance premiums.� A report of the findings of the
investigation shall be transmitted to the Governor and, pursuant to section 2
of P.L.1991, c.164 (C.52:14-19.1), to the Legislature no later than two years
after the start of the investigation.

���� 2.��� This act shall take
effect on the first day of the sixth month after enactment and shall expire on
the 90th day following transmittal of the report required by section 1 of this
act.

STATEMENT

���� This bill requires the
Department of Banking and Insurance to conduct an investigation of practices of
the automobile insurance industry in regard to increases in automobile
insurance premiums for drivers who have had motor vehicle driver�s license
suspensions for any reason � either driving related or not.� Further, the
commissioner of the department is to investigate the use of credit ratings and
addresses in determining premiums for drivers.� In performing its
investigation, the department is to determine whether increases are justified
for certain offenses not related to driving including credit ratings.

���� This bill was prompted by a
recommendation from the Motor Vehicles Affordability and Fairness Task Force.