reglab/housing_qa huggingface dataset:
NJ Rev Stat § 17B:29-11 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:29-11 - Existing insurance--choice of insurer

17B:29-11. Existing insurance--choice of insurer  When credit life insurance or credit health insurance is required as additional security for any indebtedness, the debtor shall, upon request to the creditor, have the option of furnishing the required amount of insurance through existing policies of insurance owned or controlled by him or of procuring and furnishing the required coverage through any insurer authorized to transact an insurance business within this State. L.1971, c. 144, s. 17B:29-11.
NJ Rev Stat § 17B:29-12 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:29-12 - Enforcement

17B:29-12. Enforcement  Whenever the commissioner finds that there has been a violation of this chapter or any rules or regulations issued pursuant thereto, and after written notice thereof and hearing given to the insurer or other person authorized or licensed by the commissioner, he shall set forth the details of his findings together with an order for compliance by a specified date. Such order shall be binding on the insurer and other person authorized or licensed by the commissioner on the date specified unless sooner withdrawn by the commissioner or a stay thereof has been ordered by a court of competent jurisdiction. L.1971, c. 144, s. 17B:29-12.
NJ Rev Stat § 17B:29-13 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:29-13 - Judicial review

17B:29-13. Judicial review  Any party to the proceeding affected by an order of the commissioner shall be entitled to judicial review by following the procedure set forth in the Administrative Procedure Act (P.L.1968, c. 410) and any rules adopted thereunder. L.1971, c. 144, s. 17B:29-13.
NJ Rev Stat § 17B:30-1 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-1 - Declaration of purpose

17B:30-1. Declaration of purpose  The principal purpose of chapter 30 is to regulate trade practices in the business of life insurance, health insurance and annuities in accordance with the intent of Congress as expressed in the Act of Congress of March 9, 1945 (Public Law 15, 79th Congress), by defining, or providing for the determination of, all such practices in this State which constitute unfair methods of competition or unfair or deceptive acts or practices and by prohibiting the trade practices so defined or determined. L.1971, c. 144, s. 17B:30-1.
NJ Rev Stat § 17B:30-2 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-2 - Practices prohibited

17B:30-2. Practices prohibited  No person shall engage in this State in any trade practice which is defined in this chapter as or determined pursuant to this chapter to be an unfair method of competition or an unfair or deceptive act or practice in the business of life insurance, health insurance or annuity. The practices described in sections 17B:30-3 to 17B:30-13 as modified by section 17B:30-14 are hereby defined to be such practices. L.1971, c. 144, s. 17B:30-2.
NJ Rev Stat § 17B:30-3 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-3 - Misrepresentations and false advertising of policies or annuity contracts

17B:30-3. Misrepresentations and false advertising of policies or annuity contracts  No person shall make, issue, circulate or cause to be made, issued or circulated, any estimate, illustration, circular or statement misrepresenting the terms of any policy or annuity contract issued or to be issued or the benefits or advantages promised thereby or the dividends or share of the surplus to be received thereon, or make any false or misleading statement as to the dividends or share of surplus previously paid on similar policies or annuity contracts, or make any misleading representation or any misrepresentation as to the financial condition of any insurer, or as to the legal reserve system upon which any life insurer operates, or use any name or title of any policy or annuity contract or class of policies or annuity contracts misrepresenting the true nature thereof. L.1971, c. 144, s. 17B:30-3.
NJ Rev Stat § 17B:30-4 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-4 - False information and advertising

17B:30-4. False information and advertising  No person shall make, publish, disseminate, circulate, or place before the public, or cause, directly or indirectly, to be made, published, disseminated, circulated, or placed before the public, in a newspaper, magazine or other publication, or in the form of a notice, circular, pamphlet, letter or poster, or over any radio or television station, or in any other way, an advertisement, announcement or statement containing any assertion, representation or statement with respect to the business of insurance and annuities or with respect to any person in the conduct of his insurance and annuity business, which is untrue, deceptive or misleading. L.1971, c. 144, s. 17B:30-4.
NJ Rev Stat § 17B:30-5 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-5 - False financial statements

17B:30-5. False financial statements  a. No person shall file with any supervisory or other public official, or make, publish, disseminate, circulate or deliver to any person, or place before the public, or cause directly or indirectly, to be made, published, disseminated, circulated, delivered to any person, or placed before the public, any false statement of financial condition of an insurer with intent to deceive. b. No person shall make any false entry in any book, report or statement of any insurer with intent to deceive any agent or examiner lawfully appointed to examine into its condition or into any of its affairs, or any public official to whom such insurer is required by law to report, or who has authority by law to examine into its condition or into any of its affairs, or, with like intent, willfully omit to make a true entry of any material fact pertaining to the business of such insurer in any book, report or statement of such insurer. L.1971, c. 144, s. 17B:30-5.
NJ Rev Stat § 17B:30-6 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-6 - "Twisting" prohibited

17B:30-6. "Twisting" prohibited  No person shall make any misleading representations or incomplete or fraudulent comparison of any insurance policies or annuity contracts or insurers for the purpose of inducing, or tending to induce, any person to lapse, forfeit, surrender, terminate, retain, or convert any insurance policy or annuity contract, or to take out a policy of insurance or annuity contract in another insurer. L.1971, c. 144, s. 17B:30-6.
NJ Rev Stat § 17B:30-7 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-7 - Defamation

17B:30-7. Defamation  No person shall make, publish, disseminate, or circulate, directly or indirectly, or aid, abet or encourage the making, publishing, disseminating or circulating of any oral or written statement or any pamphlet, circular, article or literature which is false or maliciously critical of or derogatory to the financial condition of an insurer and which is calculated to injure any person engaged in the business of insurance or annuity. L.1971, c. 144, s. 17B:30-7.
NJ Rev Stat § 17B:30-8 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-8 - Boycott, coercion and intimidation

17B:30-8. Boycott, coercion and intimidation  No person or persons shall enter into any agreement to commit, or by any concerted action commit, any act of boycott, coercion or intimidation resulting in or tending to result in unreasonable restraint of, or monopoly in, the business of insurance or annuity. L.1971, c. 144, s. 17B:30-8.
NJ Rev Stat § 17B:30-9 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-9 - Stock operations and advisory board contracts

17B:30-9. Stock operations and advisory board contracts  No person shall issue or deliver or permit agents, officers, or employees to issue or deliver, agency company stock or other capital stock, or benefit certificates or shares in any common-law corporation, or securities or any special or advisory board contracts or other contracts of any kind promising returns and profits as an inducement to insurance or annuity. L.1971, c. 144, s. 17B:30-9.
NJ Rev Stat § 17B:30-10 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-10 - Stock acquisition, common management

17B:30-10. Stock acquisition, common management  No insurer shall retain, invest in or acquire the whole or any part of the capital stock of any other insurer or insurers, or have a common management with any other insurer or insurers which shall by reason of such retention, investment or acquisition of such capital stock, or common management, substantially lessen competition generally in the business of insurance or annuity or create a monopoly therein. L.1971, c. 144, s. 17B:30-10.
NJ Rev Stat § 17B:30-11 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-11 - Interlocking directorate

17B:30-11. Interlocking directorate  No person shall be a director of 2 or more competing insurers so as to substantially lessen competition generally in the business of insurance or annuity or to create a monopoly therein. L.1971, c. 144, s. 17B:30-11.
NJ Rev Stat § 17B:30-13 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-13 - Rebates and special inducements

17B:30-13. Rebates and special inducements  Except as otherwise expressly provided by law, no person shall knowingly make, permit to be made or offer to make any contract of life insurance, annuity or health insurance, or agreement as to such contract other than as plainly expressed in the contract issued thereon, or pay or allow, or give or offer to pay, allow, or give, directly or indirectly, as an inducement to such insurance, or annuity, any rebate of premiums or considerations payable on the contract or of any agent's, solicitor's or broker's commission relating thereto, or any special favor or advantage in the dividends or other benefits thereon, or any valuable consideration or inducement whatever not specified in the contract; or give, or sell, or purchase or offer to give, sell, or purchase as an inducement to such insurance or annuity or in connection therewith, any stocks, bonds, or other securities of any insurance company or other corporation, association, or partnership or any dividends or profits accrued thereon, or anything of value whatsoever not specified in the contract. L.1971, c. 144, s. 17B:30-13.
NJ Rev Stat § 17B:30-13.1 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-13.1 - Unfair claim settlement practices

17B:30-13.1. Unfair claim settlement practices  No person shall engage in unfair claim settlement practices in this State. Unfair claim settlement practices which shall be unfair practices as defined in N.J.S. 17B:30-2, shall include the following practices: Committing or performing with such frequency as to indicate a general business practice any of the following: a. Misrepresenting pertinent facts or insurance policy provisions relating to coverages at issue; b. Failing to acknowledge and act reasonably promptly upon communications with respect to claims arising under insurance policies; c. Failing to adopt and implement reasonable standards for the prompt investigation of claims arising under insurance policies; d. Refusing to pay claims without conducting a reasonable investigation based upon all available information; e. Failing to affirm or deny coverage of claims within a reasonable time after proof of loss statements have been completed; f. Not attempting in good faith to effectuate prompt, fair and equitable settlements of claims in which liability has become reasonably clear; g. Compelling insureds to institute litigation to recover amounts due under an insurance policy by offering substantially less than the amounts ultimately recovered in actions brought by such insureds; h. Attempting to settle a claim for less than the amount to which a reasonable man would have believed he was entitled by reference to written or printed advertising material accompanying or made part of an application; i. Attempting to settle claims on the basis of an application which was altered without notice to, or knowledge or consent of the insured; j. Making claims payments to insureds or beneficiaries not accompanied by statement setting forth the coverage under which the payments are being made; k. Making known to insureds or claimants a policy of appealing from arbitration awards in favor of insureds or claimants for the purpose of compelling them to accept settlements or compromises less than the amount awarded in arbitration; l. Delaying the investigation or payment of claims by requiring an insured, claimant or the physician of either to submit a preliminary claim report and then requiring the subsequent submission of formal proof of loss forms, both of which submissions contain substantially the same information; m. Failing to promptly settle claims, where liability has become reasonably clear, under one portion of the insurance policy coverage in order to influence settlements under other portions of the insurance policy coverage; n. Failing to promptly provide a reasonable explanation of the basis in the insurance policy in relation to the facts or applicable law for denial of a claim or for the offer of a compromise settlement. L.1975, c. 101, s. 1.
NJ Rev Stat § 17B:30-13.2 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-13.2 - Record of complaints

17B:30-13.2. Record of complaints  Failure of any person to maintain a complete record of all the complaints which it has received since the date of its last examination shall be a practice prohibited by N.J.S. 17B:30-2. This record shall indicate the total number of complaints, their classification by line of insurance, the nature of each complaint, the disposition of these complaints, and the time it took to process each complaint. For purposes of this section "complaint" means any written communication primarily expressing a grievance. L.1975, c. 101, s. 2.
NJ Rev Stat § 17B:30-14 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-14 - Exceptions to discrimination and rebates

17B:30-14. Exceptions to discrimination and rebates  Nothing in sections 17B:30-12 or 17B:30-13 shall be construed as including within the definition of discrimination or rebates any of the following practices: a. In the case of any contract of life or health insurance or annuity, paying bonuses to policyholders or contract holders or otherwise abating their premiums or considerations in whole or in part out of surplus accumulated from nonparticipating insurance or annuity, provided that any such bonuses or abatement of premiums or considerations shall be fair and equitable to policyholders and contract holders and for the best interests of the company and its policyholders and contract holders. b. In the case of life insurance policies issued on the industrial debit plan, making allowance to policyholders who have continuously for a specified period made premium payments directly to an office of the insurer in an amount which fairly represents the saving in collection expense. c. Readjustment of the rate of premium for a group insurance policy based on the loss or expense experience thereunder, at the end of the first or any subsequent policy year of insurance thereunder, which may be made retroactive only for such policy year. d. Issuing life or health insurance policies or annuity contracts on a salary savings, bank draft, preauthorized check or payroll deduction plan or other similar plan at a rate which is lower than that charged when the policies are not issued on such plan or with special underwriting considerations, such rate or underwriting considerations being reasonably related to the savings made by the use of such plan. e. Issuance of life, health insurance policies or annuity contracts at rates less than the usual rates of premiums or considerations for such policies or contracts or modification of premium or consideration based on amount of insurance or annuity; but any such issuance or modification shall not result in reduction of premium or consideration in excess of savings in administration and issuance expenses reasonably attributable to such policies or contracts. L.1971, c. 144, s. 17B:30-14.
NJ Rev Stat § 17B:30-15 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-15 - Enumeration of acts not exclusive

17B:30-15. Enumeration of acts not exclusive  The enumeration in this chapter of specific unfair methods of competition and unfair or deceptive acts and practices in the business of insurance or annuities is not exclusive or restrictive or intended to limit the powers of the commissioner or any court of review under the provisions of this code. L.1971, c. 144, s. 17B:30-15.
NJ Rev Stat § 17B:30-16 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-16 - Commissioner's powers of investigation

17B:30-16. Commissioner's powers of investigation  The commissioner shall have power to examine and investigate into the affairs of every person acting as an insurer or engaged in the business of insurance in this State in order to determine whether such person has been or is engaged in any unfair method of competition or in any unfair or deceptive act or practice prohibited by this chapter. L.1971, c. 144, s. 17B:30-16.
NJ Rev Stat § 17B:30-17 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-17 - Desist orders for prohibited practices; penalty

17B:30-17. Desist orders for prohibited practices; penalty  a. If the commissioner has reason to believe that any person has been engaged or is engaging in this State in any unfair method of competition, or any unfair or deceptive act or practice expressly prohibited in this chapter, and that a proceeding by him in respect thereto would be to the interest of the public, he shall issue and serve upon such person a statement of the charges in that respect and a notice of a hearing thereon as provided in the "Administrative Procedure Act" (P.L.1968, c. 410; c. 52:14B-1 et seq.) and any rules adopted thereunder. b. If, after such hearing, the commissioner shall determine that the method of competition or the act or practice in question is defined in this chapter and that the person complained of has engaged in such method of competition, act or practice in violation of this chapter, he shall make his findings in writing and shall issue and cause to be served upon the person charged with the violation an order requiring such person to cease and desist from engaging in such method of competition, act or practice and the commissioner may order payment of a penalty not to exceed $1,000.00 for each and every act or violation unless the person knew or reasonably should have known he was in violation of this chapter, in which case the penalty shall be not more than $5,000.00 for every act or violation. The penalty shall be collected by the commissioner in the name of the State in a summary proceeding in accordance with the "penalty enforcement law" (N.J.S. 2A:58-1 et seq.). c. Until the expiration of the time limited for judicial review, if no proceeding for review has been instituted within such time or, if a proceeding for review has been instituted within such time, then until the transcript of the record in the proceeding has been filed in the Superior Court, as hereinafter provided, the commissioner may at any time, upon such notice and in such manner as he shall deem proper, modify or set aside in whole or in part any order issued by him under this section. d. After the expiration of the time limited for judicial review if no such proceeding has been instituted within such time, the commissioner may at any time, after notice and opportunity for hearing, reopen and alter, modify or set aside, in whole or in part, any order issued by him under this section, whenever in his opinion the facts or the laws have so changed as to require such action or if the public interest shall so require. e. No order or proceeding, or absence of such order or proceeding of the commissioner pursuant to this chapter or order of court to enforce such order, if made, shall in any way relieve or absolve any person affected thereby from any other liability, penalty or forfeiture provided by another law. L.1971, c. 144, s. 17B:30-17. Amended by L.1981, c. 452, s. 1, eff. Jan. 11, 1982.
NJ Rev Stat § 17B:30-18 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-18 - Procedures as to undefined practices

17B:30-18. Procedures as to undefined practices  Whenever the commissioner shall have reason to believe that any person engaged in the business of insurance or annuities is engaging in this State in any method of competition or in any act or practice in the conduct of such business which is not defined in this chapter, and that such method of competition is unfair or that such act or practice is unfair or deceptive and that a proceeding by him in respect thereto would be to the interest of the public, he may issue and serve upon such person a statement of the charges in that respect and a notice of a hearing thereon as provided in the Administrative Procedure Act (P.L.1968, c. 410) and any rules adopted thereunder. Each such hearing shall be conducted in the same manner as the hearing provided for in the Administrative Procedure Act (P.L.1968, c. 410) and any rules adopted thereunder. L.1971, c. 144, s. 17B:30-18.
NJ Rev Stat § 17B:30-19 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-19 - Appeal by intervenor

17B:30-19. Appeal by intervenor  If the determination of the commissioner does not charge a violation of this chapter, then any intervenor in the proceedings before him may, within 30 days after the service of such determination, institute an action in the Superior Court to enjoin and restrain any method of competition, act or practice. L.1971, c. 144, s. 17B:30-19.
NJ Rev Stat § 17B:30-20 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-20 - Violation of cease and desist order; penalty

17B:30-20. Violation of cease and desist order; penalty  Any person who violates a cease and desist order of the commissioner issued under this chapter shall be liable to a penalty not exceeding $5,000.00 for each violation, to be collected by the commissioner in the name of the State in a summary proceeding in accordance with the Penalty Enforcement Law (N.J.S. 2A:58-1 et seq.). The commissioner in his discretion may revoke or suspend the license or certificate of authority of any such person. L.1971, c. 144, s. 17B:30-20. Amended by L.1981, c. 452, s. 2, eff. Jan. 11, 1982.
NJ Rev Stat § 17B:30-21 (2021)
2021 New Jersey Revised Statutes|Title 17B - Insurance|Section 17B:30-21 - Provisions of chapter additional to existing laws

17B:30-21. Provisions of chapter additional to existing laws  The powers vested in the commissioner by this chapter shall be additional to any other powers to enforce any penalties, fines or forfeitures authorized by law with respect to the methods, acts and practices hereby declared to be unfair or deceptive. L.1971, c. 144, s. 17B:30-21.