N.J. Stat. § 17:23A-12: Previous adverse underwriting decisions

Previous adverse underwriting decisions. No insurance institution or agent may base an adverse underwriting decision in whole or in part:

a. On the fact of a previous adverse underwriting decision or on the fact that an individual previously obtained insurance coverage through a residual market mechanism; except that an insurance institution or agent may base an adverse underwriting decision on further information obtained from an insurance institution or agent responsible for a previous adverse underwriting decision;

b. On personal information received from an insurance-support organization whose primary source of information is insurance institutions; except that an insurance institution or agent may base an adverse underwriting decision on further personal information obtained as the result of information received from the insurance-support organization.

L. 1985, c. 179, s. 12.