N.J. Admin. Code § 11:3-6.3

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

Section 11:3-6.3 - General requirements for all permanent insurance identification cards

(a) Insurers shall issue permanent insurance identification cards in paper and/or electronic format for each motor vehicle insured under an insurance policy.

(b) If an insurer issues electronic insurance identification cards, the insurer, at a minimum, shall also issue paper insurance identification cards upon the written or oral request of the insured that meet all requirements in 11:3-6.4.

(c) Insurers shall issue replacement permanent insurance identification cards at the written or oral request of the insured in the event the card is lost or destroyed.

(d) Insurers shall issue replacement permanent insurance identification cards upon renewal of the policy and upon any of the following occurrences: the change of a motor vehicle, the acquisition of additional motor vehicle(s), or upon assignment of a new policy number.

(e) All permanent insurance identification cards, whether paper or electronic, shall display the following information:

1. The heading, which shall read: State of New Jersey Insurance Identification Card;

2. The name of the insurer. A group name may be shown instead if it identifies the specific insurance company involved. Insurer logos are permitted;

3. The name of the insured. The surname of the insured must agree with the surname shown on the insured motor vehicle's current motor vehicle registration as issued by the New Jersey Motor Vehicle Commission;

4. The address of the named insured;

5. The complete policy number;

6. The effective date and expiration date of the policy in month, day, and year format;

7. A description of the motor vehicle, including the year, make, and motor vehicle identification number (VIN). The model of the motor vehicle may be shown as the make. The make of the motor vehicle may be abbreviated, but the complete VIN must be shown;

8. In the case of fleets, dealership, or leasing companies where the owner insures the motor vehicle, the make, year, and VIN need not be recorded. In lieu of the make, year, and VIN, the insurer may insert "ALL OWNED MOTOR VEHICLES" or "FLEET." If the lessee insures the motor vehicle, the name of the owner as shown on the motor vehicle registration must be shown on the insurance identification card in addition to the name of the insured;

9. The insurance company code as established by the New Jersey Motor Vehicle Commission shall immediately precede the insurer's name;

10. The name and address of the insurer or the office or agency issuing the insurance identification card; and

11. For motor vehicles that are required to have Personal Injury Protection coverage pursuant to 39:6A-3.1, 39:6A-4, or 39:6A-4.3, the address established by the insurer for the filing of notification of the commencement of medical treatment by treating medical providers under N.J.A.C. 11:3-25. The address may include a facsimile number and/or e-mail address. This information shall be provided under the following title: "ADDRESS FOR NOTIFICATION OF COMMENCEMENT OF MEDICAL TREATMENT."

(f) The order of the information required in (e) above may be rearranged to accommodate formats already established by an insurer.

(g) Additional information may be included below the information required by (e) above, provided it is appropriately captioned and is not at variance with the information required in (e) above.

(h) Insurers shall issue permanent insurance identification cards prior to the expiration of any 20-day temporary evidence of insurance document issued pursuant to 11:3-6.5.

(i) Servicing carriers of any residual market mechanism authorized by statute shall issue permanent insurance identification cards in accordance with (e) above. The cards shall indicate that coverage is being issued by the servicing carrier on behalf of the residual market mechanism.

(j) Each permanent insurance identification card shall be effective for no more than 12 months from the effective date indicated on its face.

(k) Each permanent insurance identification card shall contain at least one anti-counterfeiting measure prior to being issued in this State.

1. Insurers may continue to use any anti-counterfeiting measures that have already been approved by the Department.

2. Insurers are not required to make any filing with or seek prior approval from the Department of their anti-counterfeiting measure(s).

3. With regard to E-cards, insurers shall implement at least one anti-counterfeiting measure that permits a State or government official to verify that the insurer issued a valid E-card to the insured's electronic device.

N.J. Admin. Code § 11:3-6.3

Adopted by 48 N.J.R. 2814(a), effective 12/19/2016