Requests for assistance or inquiries involving all lines of insurance need to be submitted to our Department in writing either by letter or using the Request for Assistance forms available below.

All requests for assistance or inquiries must include the company name/agent's name, the policy/certificate number(s), any documentation that will substantiate your position, and a brief description of the problems that you have encountered. Be sure to use dark ink and do not highlight. Otherwise, important data may not be legible.

Online Request for Assistance Form

Submit request electronically

PDF Request for Assistance Form

Print and mail to:

New Jersey Division of Insurance
Consumer Assistance
P.O. Box 329
Trenton, NJ 08625-0329

Or FAX to:
609-292-5865

• Insurance Claims Ombudsman
• Insurance Enforcement Activity (Fines, etc)
• Licensee Search
• Service of Process Instructions
• Producer Licensing

• Unfair Claims Settlement Practices
• Auto Physical Damage Claims (PDF)

Complaints can also be submitted online via the National Association of Insurance Commissioners Consumer Information Source. The web site is also a valuable source of insurance company information and a company's record with consumer compliants.

Our FAX number is 609-292-5865. If you would like to receive a consumer assistance form or speak to someone for clarification of our statutes and regulations and how they may affect your situation, feel free to call us at 609-292-5316.

The Office of the Insurance Ombudsman was established to assist consumers with issues related to insurance availability; claims processing; coverage questions and other matters related to insurance consumer education and assistance.

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The Market Conduct Unit within the Office of Consumer Protection Services conducts on-site reviews of insurance company and agency operations and business practices to determine whether consumers, medical providers and other members of the public are being treated fairly and in accordance with New Jersey insurance laws. The unit examines life, health, managed care and property/casualty companies, with specialty lines reviewed as appropriate.

Consumer complaints, problems in the marketplace and other areas of concern identified by the Commissioner and Department staff are significant factors in determining which companies and lines of insurance will be examined. When potential areas of concern are identified, the unit strives to respond quickly with a targeted review of the affected companies.

Over the past year, the Anti-Fraud Compliance Unit merged with Market Conduct. Audits designed to assure compliance with fraud prevention, detection and reporting standards have been integrated into the market conduct examination methodology, enabling staff to better coordinate examination activities and more effectively utilize Department and insurance company resources in a consolidated examination process.

Based on the findings of the examination, the Department issues a report that includes findings and recommendations to correct company procedures that adversely affect consumers or do not comply with our laws. Significant findings may result in further administrative action leading to fines, payments to consumers or additional benefits to policyholders. This process helps to promote a climate of fair competition in the marketplace and protect consumers from practices that are contrary to our insurance laws.

• Steps in the Market Conduct Process

• Market Conduct Reports