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Rate Regulation by the States
New Jerseys Regulatory System
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$500 Threshold agents and brokers Assigned Risk Plan automobile insurance market Automobile Insurance Reform automobile insurance system base rates bureau rates commissioner committee believes Committee on Automobile committee recommends competition defensive driving Division of Motor election enacted established file rates Highest to Lowest individuals injury protection benefits injury protection coverage insurance rates Insurance Services Office Jersey drivers Jersey Legislature JOHN RUSSO joint underwriting association Legislature loss experience Mandatory Coverages mandatory insurance mandatory liability insurance market equalization charge McCarran-Ferguson Act medical expense benefits Medical n p.i.p. Motor Vehicles no-fault insurance no-fault law no-fault system non-renew option pain and suffering party benefits personal injury protection prior approval problems Public Advocate rate approval process rate filing rate regulation rate regulatory system ratemaking rating bureaus rating law residual market equalization residual market mechanism result RMEC savings servicing carrier statutory standard surcharges tort system Verbal Threshold voluntary market business write new business