{"data":{"id":"us-nj/n.j.-stat.-17-23a-12","jurisdiction":"us-nj","citation":"N.J. Stat. § 17:23A-12","heading":"Previous adverse underwriting decisions","body":"Previous adverse underwriting decisions.  No insurance institution or agent may base an adverse underwriting decision in whole or in part:\na.   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;\nb.   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.\nL. 1985, c. 179, s. 12.","path":["TITLE 17 CORPORATIONS AND INSTITUTIONS FOR FINANCE \t\t\tAND INSURANCE"],"source_url":"https://pub.njleg.state.nj.us/statutes/STATUTES-TEXT.zip","current_through":"P.L.2025, c.405, and J.R.22","vintage":"","retrieved_at":"2026-08-27T17:54:13Z","sha256":"8bdbb4979aa1c52c16afd0c546a0507203d6068c1cfb4c135f4d62154d7a1770","source_id":"us-nj","stale":true,"prev":"us-nj/n.j.-stat.-17-23a-11","next":"us-nj/n.j.-stat.-17-23a-13"},"notice":"GroundRules: Original legal text. Not legal advice."}